Jerry Maize, CFP®
Executive Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Senior Portfolio Manager
Phone:
(562) 901-4380(562) 901-4380
The Maize Lasker Group at Morgan Stanley
Jerry Maize, CFP®Janice Maize, CRPS®, ADPA®, CDFA®Daniel Lasker, CFP®, CEPA®, CRPS®Maddie Merrill, CDFA®, CRPS®
Direct:
(562) 901-4384(562) 901-4384
Toll-Free:
(800) 755-5721(800) 755-5721
Our Mission Statement
Advising successful families across multiple generations to grow and preserve their wealth through trusting relationships and prudent financial planning.
Our Story
Who We Are
The Maize Lasker Group has been providing financial guidance and planning services to clients in the Long Beach, South Bay and greater Los Angeles and Orange Country areas for nearly four decades. Jerry Maize began his career as a financial advisor here in 1981; his wife, Janice, became a financial advisor in 1998; and they were joined by Daniel Lasker in 2011 and Maddie Merrill in 2020. Over time, they have developed close ties to the community and fostered trusting, long-lasting advisory relationships that span multiple generations.
Our Approach
Establishing rapport and being good listeners enables us to truly understand your needs and develop a sustainable plan to grow and protect your wealth. We approach every relationship as problem solvers, drawing on our experience, extensive training, and the capabilities of Morgan Stanley, to deliver appropriate solutions for your specific needs and goals. When you work with us, you can be secure in the fact that you have a trusted partner who is advocating for your success.
What We Do
Our main role as your financial advisor is to help you find financial security for you and your loved ones. We lay out a financial roadmap for your life goals and help smoothen out any bumps along the way. Whether you're planning for retirement, a new member of the family, or looking to establish your estate, we are here to answer your questions and provide you with the proper guidance you need. We do all the hard work for you so you can focus your time and energy on the people you love and the causes you are passionate about.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Alternative InvestmentsFootnote4
- AnnuitiesFootnote5
- Philanthropic ManagementFootnote6
- Asset Management
- Business PlanningFootnote7
- Cash Management and Lending ProductsFootnote8
- Corporate Retirement PlansFootnote9
- Divorce Financial AnalysisFootnote10
- Fixed IncomeFootnote11
- LGBT+ Planning ServicesFootnote12
- Life InsuranceFootnote13
- Long Term Care InsuranceFootnote14
- Planning for Education FundingFootnote15
- Stock Option PlansFootnote16
- Sustainable InvestingFootnote17
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process, Your Journey
Our comprehensive process focuses on you, your family and your future – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and empowering you to make smart decisions about your wealth now and over time.
1. Initial Conversation
We begin with an informal conversation to understand your financial concerns and determine how we can add value. Should we agree to move forward, we schedule a Discovery Meeting and request copies of important financial documents so we can review them in advance of our meeting.
2. Discovery Meeting
In this in-depth discussion, we learn about the values that shape your decisions and identify any special circumstances in your life. Our priority is to really get to know you – your goals, your needs, and your challenges – so we have all the necessary information to create a comprehensive and customized Wealth Management Plan.
3. Analysis and Assessment
Here, we utilize proprietary financial planning tools to meticulously analyze and assess your current financial situation. We then develop a Wealth Management Plan that is uniquely yours, aligning your objectives and priorities with your timeframes and risk level.
4. Wealth Management Plan Meeting
In this step, we meet with you to present your Wealth Management Plan in detail. Your Plan includes investment recommendations as well as other valuable strategies. These may include solutions to help reduce risk, minimize taxes and achieve your estate planning and legacy goals.
5. Mutual Commitment Meeting
One to two weeks later, we meet again to formalize our working relationship. Documents are executed as we officially welcome you into our practice.
6. The Advanced Plan
As your assets transfer to Morgan Stanley, we begin the disciplined process of executing your plan. We often collaborate with specialized professionals in key areas, as well as your CPA and estate attorney to help ensure a cohesive implementation and transparency.
7. First Follow-Up Meeting
This meeting is designed to provide a status update on the implementation of your plan, as well as introduce you to a myriad of digital resources now available.
8. Ongoing Service and Care
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. We set up regular calls and meetings to provide updates and keep your plan on track towards achieving your goals.
Individual Plans for Individuals Like You
Goals you set today will evolve over time. Our process is designed to evolve with them- and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, making sure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
LifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions.
Fill out the questionnaire to get started.
LifeView QuestionnaireLifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions.
Fill out the questionnaire to get started.
Retirement Planning
Most of us have numerous goals, but no goal is more important than securing a comfortable retirement. It is important to look at time horizon, Risk tolerance, and current savings to structure a sound retirement plan.
Retirement Planning
Aladdin - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Portfolio Risk Platform – Powered by AladdinPortfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Spending & Budgeting
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for you and your financial advisor to oversee trends in your financial life.
Spending & Budgeting Tool
Estate Planning
Estate planning is the process of making arrangements to pass down wealth and assets after a person’s death. Creating an estate plan early is crucial as it ensures that your wishes are precisely reflected in your estate plan. Proper estate planning gives careful consideration to the your future plans, preferences and goals.
When creating a plan for your estate there are many questions that you might need to ask yourself. We have created a list of these important questions for your reference.
Questions To Consider For Estate PlanningWhen creating a plan for your estate there are many questions that you might need to ask yourself. We have created a list of these important questions for your reference.
Family Office Resources
Ultra-high net worth individuals and families often have unique and complex planning needs. Here at Morgan Stanley, we have a variety of Family Office Resources that can assist our family office clients in assessing and coming up with solutions to their goals; no matter how complex they may be.
Family Office ResourcesWomen and Wealth
Women have long played a significant role in wealth creation and management, and in recent years, their presence as financial decision makers has increased. However, women often face unique challenges when it comes to wealth management and must plan for different life events.
As a testament to our unwavering dedication to women's financial empowerment, Janice Maize has been recognized for consecutive years to the Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State in 2023 and 2024 (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors).
Source: Forbes.com (Awarded 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Divorce Planning
Divorce can be a difficult and emotional process, and financial concerns can add an extra layer of stress. This is especially true for women, who may face unique challenges when it comes to financial planning during and after divorce. It is important for women to understand their financial rights and to seek the help of a financial advisor who can advocate for them.
Women in Transition
Women often go through transitions in their lives, such as returning to work after having children, going through a divorce, or becoming a caregiver for a loved one. These transitions can bring financial challenges and it is important for women to work with an advisor that understands how to navigate these life events.
Widowhood
The loss of a spouse is an extremely traumatic and emotionally challenging event, and financial matters have to be addressed. We help out clients in understanding and resolving the legal and financial implications of their new situation. Our team is dedicated to helping widowed women navigate the financial aspects of their loss and plan for the future.
Women in Philanthropy
Women continue to lead the world in philanthropy and charitable giving. Alongside Morgan Stanley's investing with impact platform we offer clients the ability to leverage their wealth to invest and support the causes, and institutions they care about.
Valuable Tools and Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online (MSO) & MS Mobile
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity. Features include paperless documents, bill pay and secure account management.
Morgan Stanley Online
Global Investment Committee “On the Markets” Report
Every month, Morgan Stanley’s top research analysts publish their “On the Markets” report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
Read the most recent report
Total Wealth View
With this service, you can view all your investments together – whether they are held at Morgan Stanley or elsewhere. When you add your external 401(k), as well as your checking, savings and brokerage accounts to this portal, all your assets will be in one place, providing a current and comprehensive view of your wealth.
To learn more, click here
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Access this week's edition
Digital Vault
The Digital Vault on Morgan Stanley Online allows you to build a centralized document library where all documents are stored using encryption.
Watch this video to learn more
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen to the latest episode
Impact Quotient(IQ)
The Morgan Stanley Impact Quotient™ application gives Wealth Management clients new customizable insights into the social and environmental impact of their investment portfolios.
Impact Quotient(IQ)
Morgan Stanley Minute
In this ongoing series of one-minute videos from our firm’s top investment thinkers, you can explore current trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more.
View our library of interesting content
Intelligent Withdrawals
Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard-earned money.
Intelligent Withdrawals
Morgan Stanley Now What's Next Podcast
From satellite data technology used to solve some of the world's most complex problems to learning how not to follow the crowd when making decisions, the Morgan Stanley Now What's Next Podcast brings forward thinking innovations about the world of business, finance, technology and beyond.
Listen to the newest ideasLocation
3840 Kilroy Airport Way
Ste 400
Long Beach, CA 90806
US
Direct:
(562) 901-4384(562) 901-4384
Toll-Free:
(800) 755-5721(800) 755-5721
Meet The Maize Lasker Group
Janice Maize, CRPS®, ADPA®, CDFA®
Senior Vice President, Financial Advisor, Corporate Retirement Director, Senior Investment Management Consultant, Financial Planning Specialist
Phone:
(562) 901-4382(562) 901-4382
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Financial Planning Specialist, Corporate Retirement Director, CHARTERED RETIREMENT PLANS SPECIALIST
Phone:
(562) 901-4314(562) 901-4314
Financial Advisor, Financial Planning Specialist, CHARTERED RETIREMENT PLANS SPECIALIST, Certified Divorce Financial Analyst, Portfolio Manager
Phone:
(562) 901-4388(562) 901-4388
Jennifer Toney, CRPC®
Assistant Vice President, Wealth Management Associate, Financial Planning Associate, Chartered Retirement Planning Counselor
Phone:
(562) 901-4384(562) 901-4384
Sophat Heng
Registered Client Service Associate
Phone:
(562) 901-4387(562) 901-4387
About Jerry Maize
Jerry Maize has provided financial guidance to individuals, families, business owners, and corporate executives for over 40 years. He began his career as a Financial Advisor in 1981, right after graduating from Colgate University.
Jerry’s introduction to advising was accidental, but he quickly realized how important and fulfilling the job is. Becoming a Certified Financial Planner early on in his career, he understands how important financial planning is in helping clients reach their unique goals. Jerry’s approach to financial planning is angular, looking at all aspects of a client’s life. He not only provides straightforward investment advice, but also a deliberate evaluation of a client’s circumstances including family, hopes, dreams and specific goals. He listens to his clients and their families, understanding who they are before rendering any financial advice. Thanks to his process of creating deeper relationships, Jerry has been able to create multi-generational relationships with many of his clients and their families.
Jerry has lived and worked in the Long Beach area since 1981 and is very active in his local community. He is on the YMCA of Greater Long Beach Board of Directors. He also serves on the Board of the Southern California Children’s Endowment Fund, whose mission is to help, educate, and protect the hungry, abused, and poor children of Southern California. This is accomplished through direct assistance and by partnering with the most effective local organizations. In his free time, he enjoys international travel, visiting U.S. National Parks, hiking, golfing, and skiing. He is happily married to Jan Maize, who is also his partner Morgan Stanley.
Jerry’s introduction to advising was accidental, but he quickly realized how important and fulfilling the job is. Becoming a Certified Financial Planner early on in his career, he understands how important financial planning is in helping clients reach their unique goals. Jerry’s approach to financial planning is angular, looking at all aspects of a client’s life. He not only provides straightforward investment advice, but also a deliberate evaluation of a client’s circumstances including family, hopes, dreams and specific goals. He listens to his clients and their families, understanding who they are before rendering any financial advice. Thanks to his process of creating deeper relationships, Jerry has been able to create multi-generational relationships with many of his clients and their families.
Jerry has lived and worked in the Long Beach area since 1981 and is very active in his local community. He is on the YMCA of Greater Long Beach Board of Directors. He also serves on the Board of the Southern California Children’s Endowment Fund, whose mission is to help, educate, and protect the hungry, abused, and poor children of Southern California. This is accomplished through direct assistance and by partnering with the most effective local organizations. In his free time, he enjoys international travel, visiting U.S. National Parks, hiking, golfing, and skiing. He is happily married to Jan Maize, who is also his partner Morgan Stanley.
Securities Agent: MT, DC, CO, CA, AZ, HI, TX, OR, RI, OH, NH, ME, FL, SC, NY, NJ, IL, ID, WA, SD, MO, MA, NC, IA, GA, UT, NV, AL, VA, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 1282721
NMLS#: 1282721
About Janice Maize
Janice Maize, CRPS®, ADPA®
Senior Vice President, Financial Advisor, Corporate Retirement Director, Senior Investment Management Consultant, Financial Planning Specialist
Janice Maize became a financial advisor to fill the underserved needs of women and nearly 20 years later, female clients remain a primary focus of her practice. Personal experience has taught her that women have unique perspectives on wealth that need to be considered when developing relationships and forming financial plans. She is an active member of Morgan Stanley’s Women in Wealth program, conducting local workshops for female clients and prospects.
Working with same-sex couples/domestic partnerships and acting as an advisor for corporate retirement plans are her other key practice areas. Janice is an Accredited Domestic Partner Advisor (ADPA) with extensive training to assist with the financial complexities unique to these clients. She is also a Corporate Retirement Director, one of less than 300 at the firm, which enables Janice to act as a fiduciary for 401(k), 403(b) and related pension and qualified retirement plans.
With her husband Jerry, she is an active in the Long Beach business and non-profit community. She is a past board member of the Long Beach Chamber of Commerce and Ronald McDonald House Finance Committee.
Janice's Forbes Recognition:
2023 & 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded January 2023 & 2024) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
2022 & 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
2023 & 2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Senior Vice President, Financial Advisor, Corporate Retirement Director, Senior Investment Management Consultant, Financial Planning Specialist
Janice Maize became a financial advisor to fill the underserved needs of women and nearly 20 years later, female clients remain a primary focus of her practice. Personal experience has taught her that women have unique perspectives on wealth that need to be considered when developing relationships and forming financial plans. She is an active member of Morgan Stanley’s Women in Wealth program, conducting local workshops for female clients and prospects.
Working with same-sex couples/domestic partnerships and acting as an advisor for corporate retirement plans are her other key practice areas. Janice is an Accredited Domestic Partner Advisor (ADPA) with extensive training to assist with the financial complexities unique to these clients. She is also a Corporate Retirement Director, one of less than 300 at the firm, which enables Janice to act as a fiduciary for 401(k), 403(b) and related pension and qualified retirement plans.
With her husband Jerry, she is an active in the Long Beach business and non-profit community. She is a past board member of the Long Beach Chamber of Commerce and Ronald McDonald House Finance Committee.
Janice's Forbes Recognition:
2023 & 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded January 2023 & 2024) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
2022 & 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
2023 & 2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: NY, IL, ME, NH, IA, ID, GA, CO, WA, SC, MA, RI, TX, NV, NJ, NC, DC, HI, CA, AZ, UT, MT, MO, SD, OR, FL, VA, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1282678
NMLS#: 1282678
About Daniel Lasker
Dan is a Financial Advisor with the Maize Lasker Group with over 10 years of industry experience. After graduating from Colgate University, Dan joined Morgan Stanley and earned the designation of CERTIFIED FINANCIAL PLANNER™ and Portfolio Management Director. His decision to become a Financial Advisor came from his understanding of the markets and economics, and his desire to help individuals make the most out of their money.
Dan’s mission is to provide objective and timely advice and guidance to build and preserve wealth for his clients. By listening to your specific needs and understanding your unique circumstances, he can develop customized strategies to help you reach your financial goals. His primary focus is helping successful individuals, corporate executives and business owners plan for retirement.
Outside of work and family time, he enjoys volunteering, playing music in his local community, as well as golf, skiing and sailing. A New York native, Dan now resides in Seal Beach with his wife, three kids, and two dogs.
Dan’s mission is to provide objective and timely advice and guidance to build and preserve wealth for his clients. By listening to your specific needs and understanding your unique circumstances, he can develop customized strategies to help you reach your financial goals. His primary focus is helping successful individuals, corporate executives and business owners plan for retirement.
Outside of work and family time, he enjoys volunteering, playing music in his local community, as well as golf, skiing and sailing. A New York native, Dan now resides in Seal Beach with his wife, three kids, and two dogs.
Securities Agent: ID, FL, NJ, AZ, VA, IL, NH, DC, NV, IA, GA, NY, NC, ME, MT, TN, SC, CO, OR, TX, HI, UT, SD, OH, MO, CA, WA, RI, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1278757
NMLS#: 1278757
About Maddie Merrill
Maddie is a Financial Advisor who joined The Maize Group in 2020. After studying finance and economics at The University of Southern California, she started her career working as a Municipal Bond Analyst at Guggenheim Partners. While at Guggenheim Partners, she realized how much she missed connecting and helping others. Exploring other career options, she realized that advising was the perfect blend of her top two interests: capital markets and helping people.
Maddie’s approach to advising is based on who her clients are as individuals. Her investment recommendations are never the same from client to client because no two clients have the same set of financial circumstances. She finds joy in educating her clients and helping to find suitable solutions that fit their unique needs and wants. In Maddie’s mind, the guide to any client relationship is their financial plan. While many plans change over time, she prides herself on having timely communication with clients to ensure they always know she is looking after their assets so they can spend time living the life they love.
Maddie is an active member of her Alumni network and volunteers as a mentor at the USC Dornsife School of Economics. She is the founding President of the Divorce Transition Professionals ("DTP") Long Beach Chapter. She also enjoys community involvement as an active member of the Seal Beach Chamber of Commerce. Before her career in finance, Maddie had a 15-year long career in athletics including earning a swimming scholarship to USC and qualifying for the 2016 United States Olympic Trials of Swimming in three events. In her spare time, she enjoys working out, reading, international travel, and considers herself a “foodie”. She lives in Seal Beach with her husband and black Labrador Retriever.
About Morgan Stanley - Long Beach
Morgan Stanley's Long Beach office serves a wide range of distinguished clients from ultra-high net worth individuals and their families, corporate executives, sophisticated investors, and institutions. These clients have relied on our expertise and resources to help them meet their financial needs and ambitions.
Areas of focus include Comprehensive Wealth Planning, Trust and Estate Planning, Pre-Liquidity Planning, Concentrated Stock Management, Hedging and Monetization Strategies, Equity Compensation Plans, Corporate Cash Management, Corporate Retirement Plans, Tailored Lending Solutions, Mortgage and Lending Solutions, Women in Transition, Women and Wealth, Investing with Impact, Legacy Planning, Next-Generation Wealth Transfer
Maddie’s approach to advising is based on who her clients are as individuals. Her investment recommendations are never the same from client to client because no two clients have the same set of financial circumstances. She finds joy in educating her clients and helping to find suitable solutions that fit their unique needs and wants. In Maddie’s mind, the guide to any client relationship is their financial plan. While many plans change over time, she prides herself on having timely communication with clients to ensure they always know she is looking after their assets so they can spend time living the life they love.
Maddie is an active member of her Alumni network and volunteers as a mentor at the USC Dornsife School of Economics. She is the founding President of the Divorce Transition Professionals ("DTP") Long Beach Chapter. She also enjoys community involvement as an active member of the Seal Beach Chamber of Commerce. Before her career in finance, Maddie had a 15-year long career in athletics including earning a swimming scholarship to USC and qualifying for the 2016 United States Olympic Trials of Swimming in three events. In her spare time, she enjoys working out, reading, international travel, and considers herself a “foodie”. She lives in Seal Beach with her husband and black Labrador Retriever.
About Morgan Stanley - Long Beach
Morgan Stanley's Long Beach office serves a wide range of distinguished clients from ultra-high net worth individuals and their families, corporate executives, sophisticated investors, and institutions. These clients have relied on our expertise and resources to help them meet their financial needs and ambitions.
Areas of focus include Comprehensive Wealth Planning, Trust and Estate Planning, Pre-Liquidity Planning, Concentrated Stock Management, Hedging and Monetization Strategies, Equity Compensation Plans, Corporate Cash Management, Corporate Retirement Plans, Tailored Lending Solutions, Mortgage and Lending Solutions, Women in Transition, Women and Wealth, Investing with Impact, Legacy Planning, Next-Generation Wealth Transfer
Securities Agent: OH, IL, ID, IA, WA, TX, UT, NV, NH, NY, NC, MI, ME, CA, AZ, SD, FL, CO, VA, RI, MT, HI, OR, NJ, MA, GA, DC, SC, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 2079777
CA Insurance License #: 4092235
NMLS#: 2079777
CA Insurance License #: 4092235
About Jennifer Toney
Jennifer graduated from Arizona State University in 2006 with a Bachelor’s of Science degree in Applied Biological Science. She began working in the financial industry in 2013 after being an independent wine broker. Jennifer has been Series 7 licensed, Series 66, and California Insurance licensed since 2013 and is also a Notary Public.
With prior experience as a Financial Advisor for Morgan Stanley before joining The Maize Group in 2017, Jennifer was able to develop a deep understanding of client needs. Her primary focus is providing first-class client service and strategic operational and administrative support to clients.
With prior experience as a Financial Advisor for Morgan Stanley before joining The Maize Group in 2017, Jennifer was able to develop a deep understanding of client needs. Her primary focus is providing first-class client service and strategic operational and administrative support to clients.
CA Insurance License #: 0i50372
About Sophat Heng
Sophat (aka Pat) graduated from California State University Long Beach in 2010 with a Bachelor’s of Art degree in Psychology. Before the financial industry, Pat served in the military as an officer in the United States Army. On his transition out of the US Army, Pat completed a corporate fellowship program where he was able to begin his career within the financial industry.
Pat has been Series 7 and Series 66 licensed since 2017. With prior experiences before joining The Maize Group in 2021, Pat was able to develop exceptional interpersonal skills. His primary focus is providing first-class client service and strategic operational and administrative support to clients.
Pat has been Series 7 and Series 66 licensed since 2017. With prior experiences before joining The Maize Group in 2021, Pat was able to develop exceptional interpersonal skills. His primary focus is providing first-class client service and strategic operational and administrative support to clients.
Contact Jerry Maize
Contact Janice Maize
Contact Daniel Lasker
Contact Maddie Merrill
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
Megan Cornille
Private Banker
About Megan Cornille
Megan Cornille is a Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with 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.
Megan began her career in financial services in 2010, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, she was a Private Client Banker at JP Morgan Chase. She also served as a Personal Banker at U.S. Bank.
Megan is a graduate of the University of California - Irvine, where she received a Bachelor of Science in Molecular Biology. She lives in Torrance, California with her family. Outside of the office, Megan enjoys running, traveling with her family and volunteering at her son’s school.
Private Bankers partner with 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.
Megan began her career in financial services in 2010, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, she was a Private Client Banker at JP Morgan Chase. She also served as a Personal Banker at U.S. Bank.
Megan is a graduate of the University of California - Irvine, where she received a Bachelor of Science in Molecular Biology. She lives in Torrance, California with her family. Outside of the office, Megan enjoys running, traveling with her family and volunteering at her son’s school.
NMLS#: 606638
Wealth Management
Global Investment Office
Portfolio Insights
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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
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
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- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 and other legal matters.
4Alternative 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Products 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.
7Morgan 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.
8Morgan 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
9When 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.
10Morgan 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.
11Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
12Morgan 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
16Morgan 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.
17The 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 and other legal matters.
4Alternative 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Products 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.
7Morgan 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.
8Morgan 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
9When 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.
10Morgan 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.
11Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
12Morgan 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
16Morgan 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.
17The 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.
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)
