Welcome

Empowering our clients to accomplish their financial goals is the fundamental principle that drives us at the Manset & Hrabovsky Group. For more than 75 collective years, we have been creating customized investment portfolios for high net worth individuals, small business owners and multi-generational families. Our clients believe, as we do, in the importance of building a long-term relationship with their investment advisor. They have learned to depend on our comprehensive knowledge of the world’s financial markets. And above all, they have grown to appreciate our disciplined investment approach that has become the trademark of our practice. At the Manset & Hrabovsky Group, we feel a deep responsibility to our clients. We are committed to helping you protect and grow your assets, and in many cases, prepare families and heirs for the transfer of wealth to future generations. We know how hard you are working to achieve your goals, and we will work even harder, seeking to ensure your wealth will lead to continued prosperity over time.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Professional Portfolio Management

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As your life evolves and grows more complex, implementing a sound financial strategy tends to grow in complexity as well. You may find that it makes sense to partner with experienced investment professionals who bring a disciplined approach to managing portfolios and a focus to investing.
Help you establish your financial objectives
Look to learn more about you, your risk profile, and financial goals to prepare the most suitable agenda.
Define an investment strategy
Construct the investment portfolio based on suitable factors that optimizes potential output for minimum risk.
Evaluate and select investments
Perform macro, industrial, and company specific due diligence for stock selection. Adjust and reduce risk with the addition of bonds that fit client goals.
Monitor your portfolio and review ongoing performance
Observe market volatility and portfolio performance over the course of investment time horizon, exerting discretionary changes if needed.

Personalized Solutions

From managing your portfolio, to buying a home, to rolling over your 401(k), to leaving a lasting legacy, we are here to answer your financial questions and implement the best strategies for your specific goals and circumstances. Here are just some of the questions we help our clients answer every day.
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    Professional Portfolio Management
    I have so many things I want to do with my life. How can one investment strategy balance them all?
    Portfolio Management Brochure
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    Financial Planning
    Life is constantly changing. How do I prepare for a more secure future knowing that certain events – like a divorce or a death in the family – can dramatically impact my plans?
    Financial Planning Brochure
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    Retirement Planning
    Have I saved enough for retirement so I can maintain my current lifestyle without worrying I’ll run out of money? What is the best way to re-invest my 401(k) when I get ready to leave my company and retire?
    Retirement Planning Brochure
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    Charitable Giving
    Are my charitable donations having the impact I want them to have?
    Charitable Giving Overview
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    Asset Organization
    I have assets spread across multiple organizations and platforms. How do I get organized and simplify my financial life?
    Total Wealth View Client Guide
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    Equity Award Analysis
    How do I know my compensation package and vesting schedule is in align with my financial goals?
    Do You Understand Your Equity Award Plan?
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    10b5-1 Trading Plan
    I am a company insider. How can I meet my portfolio and financial goals while also complying with SEC rules?
    Demystifying 10b5-1 Plans
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    Pre-Liquidity Planning
    I know liquidity events provide income and estate planning opportunities. How can I prepare for tax efficient solutions during mergers, acquisitions, and IPOs?
    Pre-Liquidity Event Planning Overview

Our clients understand that...

Making decisions on company stock and options can be some of the most significant ones in life. You may be asking yourself...



How well do I understand my equity compensation and the strategies that exist to maximize its value?
Am I being as smart as my managers and coworkers with my equity compensation? Should I be making different choices based on my specific situation?
How do I turn my company equity into something I can enjoy?
Can I afford to leave my company, and how should I plan for that?
What is the Alternative Minimum Tax?
How we help
Understanding how your stock or option plan works is only the first step. We work with your specific goals such as diversification, tax management, charitable gifting, or simply having enough cash to live on while you wait for an exit. Projecting a variety of multi-year scenarios, we help you make the best decisions you can to maximize this valuable asset.
How are we different?
With over 60 years of experience, we are Morgan Stanley advisors who are seasoned and experienced in these complex issues and have tools and resources that stand out among your choices in selecting a financial advisor.

Digital Resources

Here is our comprehensive suite of digital tools designed to enhance aspects of your financial life. Morgan Stanley strives to ensure clients are served market leading technology platforms that are safe, efficient, smart, fast, and flexible.
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    Morgan Stanley Online
    Morgan Stanley Online and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
    Learn more about MSO
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    Total Wealth View
    We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.

    The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
    Learn more about Total Wealth View
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    Online Security Center
    At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
    Learn more about the Online Security Center
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    Goal Based Planning
    Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology to help reach your financial goals.
    Learn more about our Planning Tools
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    Digital Vault
    Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love in the event of a catastrophe or serious illness, disability, or death. Your Family Records Organizer can immediately provide vital and timely information to both your family and professional advisors. The Digital Vault can be accessed both via Morgan Stanley Online and the Morgan Stanley Mobile App, allowing you to construct a central, shared document library where all documents can be stored using encryption.
    Log into your Digital Vault
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    MS Reserved
    Morgan Stanley Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
    Learn more about MS Reserved
    Monthly Newsletters:
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    February Newsletter
    February Edition
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    Jannuary Newsletter
    January Edition

Location

300 E. Esplanade Dr, 10th
10th Floor
Oxnard, CA 93036
US
Direct:
(805) 278-3638(805) 278-3638

Meet The Manset and Hrabovsky Group

About Kevin Hrabovsky

For more than 25 years, Kevin has provided customized advice, investment solutions and other financial services to individuals and families. His area of knowledge includes building globally diversified portfolios with a goal of producing competitive risk-adjusted performance, based on each client’s unique goals.

Kevin earned a Bachelor of Arts degree and Personal Financial Planning® designation from the University of California, Santa Barbara. He joined the Morgan Stanley family in 1997 as a Financial Advisor. In 2013, Kevin was recognized as a Senior Portfolio Manager and earned the accreditation for discretionary Portfolio Management. Like Jacques, he is now among a select few of financial advisors within Morgan Stanley who are qualified to directly manage client assets. This is an important benefit for clients, as it can avoid delays in making timely financial management decisions.

Kevin’s approach to investing is founded on his strong desire to coach and teach. He began coaching soccer while in college, and his passion to coach continues today. He is also actively involved in Junior Achievement, teaching both high school and grammar school students. The opportunity to set goals, share knowledge and watch a team grow is a reward Kevin enjoys deeply. With his clients, he follows the same process: identify and prioritize goals; create an investment strategy to help meet those goals; help clients understand the investments and the risks they contain; and then monitor and adjust the investments as opportunities present themselves or as goals change. Kevin believes this disciplined approach is key to successful wealth planning.

Kevin currently resides in Camarillo with his wife, whom he met while at UCSB. Together, they have two children. In his leisure time, Kevin enjoys basketball, surfing and, of course, soccer.
Securities Agent: MO, MD, MA, KS, AR, AZ, CA, CO, FL, GA, IL, HI, MN, WY, WA, VA, UT, TX, TN, PA, OR, NY, NV, NM, NH, NC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290501
CA Insurance License #: #0C38362

About Jacques Manset

Jacques has dedicated his 35 year long career to helping clients achieve and maintain their financial independence. He is committed to long-term relationships, striving to deliver exceptional client service. He listens carefully to his clients’ and works tirelessly to implement customized investment portfolios that match their specific goals and tolerance for risk. Most importantly, he enjoys educating his clients and helping them understand market risks and cycles.

Jacques is a fourth-generation financial industry professional. His father has more than 40 years of experience as a stock broker & both his grandfather & great grandfather were commodity brokers in Philadelphia.

After receiving a degree in Political Science at UCLA , Jacques traveled the world as a professional tennis player on the ATP tour. In 1986, he began working on Wall Street as a NASDAQ trader, and worked on the floor of the New York Stock Exchange and the institutional equity desk. In 1988, Jacques returned to California as a financial advisor. Over the years, he has had the privilege to work with Thomson McKinnon, Prudential Securities and A.G. Edwards. This collective experience provided him with a diverse set of skills and expertise prior to joining Morgan Stanley in 1998.

Throughout his rewarding career, Jacques has continued to invest in his own education. He earned the prestigious Certified Portfolio Manager (CPM®) title from Columbia University. The curriculum for this designation involves an in-depth study of fundamental analysis, option valuation, foreign currency exchange, credit default swap structure and valuation analysis, and asset allocation. Jacques is among only 300 financial professionals who have attained this certification, establishing himself as a forerunner in portfolio management. 

Jacques lives in Ventura with his wife, Erika, for over 30 years. He enjoys bike riding, hiking, and reading political and historical novels in his leisure time.
Securities Agent: NV, NY, OR, RI, TN, TX, UT, VA, WA, WI, WV, AZ, CA, CO, DC, FL, HI, ID, KS, IL, MA, MD, MN, MO, NC, NH, NM; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1279340
CA Insurance License #: #OA32323

About Nestor Gomez

Nestor Gomez is a registered client service associate with The Manset & Hrabovsky Group. He has professionally served clients in the financial industry over the past 14 years. Prior to joining Morgan Stanley, Nestor has held multiple roles in Bank of America, JPMorgan Chase, and Wells Fargo, in the mortgage, business, and retail banking sectors. Paired with his professional work experience, Nestor also holds his 6, 7, 63 and 66 licenses.

Nestor is married to his wife of 11 years, Aillen, and is a father to Jaylee and Mia. They currently reside in Oxnard, CA. In his leisure time, Nestor enjoys rooting for Jaylee on the soccer field and watching documentaries with his wife.
Wealth Management
Global Investment Office

Portfolio Insights

Retirement

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

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

Investing

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

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

Family

Creating customized financial strategies for the challenges that today’s families face.
  • Estate Planning Strategies
  • 529 Plans / Education Savings Planning
  • Long Term Care Insurance
  • Special Needs Planning
  • Trust Services
Are You Prepared for Tax Day?
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Are You Prepared for Tax Day?

The countdown to Tax Day has begun. Here are some strategies to consider as the deadline approaches.

Philanthropy

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

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.

Mosaic

Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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A Change of Greenery

Houseplants add oxygen, flair, and warmth year-round, and the right one in the right space can do just as much for a room as any painting or side table.
Ready to start a conversation? Contact The Manset and Hrabovsky Group today.
Market Information Delayed 20 Minutes
1Morgan 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.

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2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

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3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.

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4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

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5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.

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6When 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.

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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.

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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)