Senior Vice President, Financial Advisor, International Client Advisor, Senior Portfolio Management Director
Phone:
(650) 926-7168(650) 926-7168
The Orbis Terrarum Group at Morgan Stanley
Our Mission Statement
Bespoke global wealth solutions for affluent, internationally-minded families
Customized and Comprehensive Global Solutions
The Orbis Terrarum Group serves as a global bridge, providing highly customized, comprehensive cross border solutions to clients and their families in every international jurisdiction Morgan Stanley serves. We are proud to be recognized as a 2025 Forbes Best-in-State Wealth Management Team.
Affluent, globally-focused individuals and families have financial needs that go beyond financial planning and investing. That's why we review and share our thoughts regarding all your assets from a holistic standpoint.
We offer a unique combination of investment acumen, cross-border planning expertise and access to the highly specialized wealth management and institutional resources of a global financial leader. As a result, we are well positioned to advise on virtually every matter that impacts your financial life, particularly those complex issues that arise at the intersection of your personal and business ambitions. Our extensive experience working with other domestic and international advisors helps blend your international and U.S. planning into a seamless overall approach.
We work with U.S. citizens and residents, non-residents looking to invest in U.S. markets, non-citizens who are living or working in the U.S., and U.S. citizens moving abroad. We look forward to learning more about your needs and aspirations and exploring how we can help you achieve your unique vision of a successful life.
Services We Offer Include
- Comprehensive wealth planning
- International wealth management
- Corporate stock plans
- Pre-liquidity planning
- Philanthropy management
- Family governance and wealth education
- 10b5-1 Programs
- Tax, trust and estate advisory
- Cash management and lending
- Securities based lending
- Insurance solutions
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Passing Along Values As Well As Assets
Orbis Terrarum is the Latin term for “The Whole World”. We chose that name not only because it reflects our geographically diverse backgrounds but also because it reflects our global approach and the clients we serve. Our clients live and work in Asia, Europe and The Americas. Your global success has led to cross-border multigenerational wealth for your family. Your goal is for your family to retain the best of both cultures in which you’ve lived and worked. That requires a conscious effort and considerable thought.
• Will passing sizable wealth to your heirs impact their work ethic?
• Are your heirs prepared intellectually and emotionally to manage the family wealth?
• How can you make sure your charitable efforts are effective and that your family remains interested in philanthropy?
• Have you developed a trust, tax and estate strategy, and overall wealth plan, that will provide for your current and future needs as well as those of your heirs and causes?
We have experience helping clients answer these questions and address these challenges. We bring the same concern and attention to helping preserve your values as your assets.
Services We Offer Include:
• Coordination with external estate attorneys and tax advisors for tax, trust, and estate planning: We will work with your other advisors to ensure your existing plans are in sync with your wealth plan.
• Global philanthropic advisory: We will help create a charitable giving plan that matches your values, interests and financial needs.
• Global family governance and education: We will ensure your family members have the knowledge to play whatever role in the family’s wealth future you wish.
• Will passing sizable wealth to your heirs impact their work ethic?
• Are your heirs prepared intellectually and emotionally to manage the family wealth?
• How can you make sure your charitable efforts are effective and that your family remains interested in philanthropy?
• Have you developed a trust, tax and estate strategy, and overall wealth plan, that will provide for your current and future needs as well as those of your heirs and causes?
We have experience helping clients answer these questions and address these challenges. We bring the same concern and attention to helping preserve your values as your assets.
Services We Offer Include:
• Coordination with external estate attorneys and tax advisors for tax, trust, and estate planning: We will work with your other advisors to ensure your existing plans are in sync with your wealth plan.
• Global philanthropic advisory: We will help create a charitable giving plan that matches your values, interests and financial needs.
• Global family governance and education: We will ensure your family members have the knowledge to play whatever role in the family’s wealth future you wish.
Corporate Executives
Understanding your goals is an important part of our relationship. We provide valuable guidance to corporate executives in developing a comprehensive financial plan to help achieve your short - and long-term goals. As a team we offer advice on topics such as budgeting, debt management, retirement planning, investment strategies, and tax planning strategies. We help you navigate major life changes such as starting a family, buying a home, or changing careers. Our goal is to help you make informed decisions and take control of your financial future.
Business Owners
We play an important role in helping business owners manage their finances and make strategic decisions. We can provide guidance on topics such as cash flow management, investment strategies, risk management, and tax planning strategies. We can help business owners navigate complex financial regulations and provide advice on financial issues that may arise during the life cycle of the business. By working with us, business owners can make informed decisions and better position their business for long-term success.
Women in Wealth
We are committed to creating opportunities for women in their careers, their wealth planning and their communities. We have explored and experienced the nuances of wealth management and financial development as it applies to women both as an advisor and as an individual. Our commitment to Women in Wealth is to become a part of the effort in closing the gap and helping empower females throughout every stage of their lives, with tangible resources, advice and stories.
Family Office & Institutional Clients
When working with Family Offices and Institutions we focus on understanding your financial goals, risk tolerance and investment preferences. We will help you develop tailored investment strategies that may included asset allocation, portfolio diversification and risk management. We commit to long-term financial success by developing a deep understanding of your unique needs and objectives.
ESG Investors
Our Investing with Impact Platform offers a diverse range of investments designed to advance environmental, social and governance goals (ESG) — while striving for competitive performance. We leverage Morgan Stanley’s Institute for Sustainable Investing, which combines a spectrum of approaches to generate positive social and environmental impact. Together we will discover, assess and align your goals to create your own personalized Impact Quotient. We will then craft portfolio strategies tailored to align your portfolio with your purpose.
Families with Generational Wealth
Helping families navigate complex financial decisions and develop a plan to achieve their financial goals is something we pride ourselves on. We will provide guidance on topics such as debt management, retirement planning, investment strategies, tax planning, and estate planning strategies. Highly-skilled accountants and estate attorneys are vital to constructing sound wealth-transfer plans, but sometimes it is the matters these experts cannot address that pose the greatest challenges. Each family is unique of course and we help guide you through these challenges.
Media and Research
Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide in-depth analysis on interesting topics that are affecting the worlds of business and finance not only now, but in the future.
Global Investment Committee on the Markets
A monthly publication that summarizes our Global Investment Committee’s market outlook and contains thought-provoking essays examining the forces shaping the investment landscape. Check out the latest edition below.
Read: "GIC on the Markets"
Thoughts on the Market
Listen to Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen hereFamily Governance
Most families either never address their governance needs or wait until they are in a crisis—picking up the pieces afterwards—before they finally get serious about creating and implementing a robust family governance system.
What Makes a Sound Governance System?
Philanthropic Goals
Magnify the impact of your philanthropic efforts by defining a clear mission and maintaining your focus, including advice on how to govern a family foundation to maintain alignment with your goals.
How to Sharpen Your Philanthropic Focus
Socially Responsible Investing
As a global leader in financial services, we believe we have a responsibility to the communities in which we live and work. We are privileged to have clients who carry this responsibility through to their investments, and we are confident in our resources and abilities to guide them on a purposeful journey of wealth management.
Sustainable Funds Beating Peers in 2023
Business Succession Planning
Owning a business represents years, if not decades, of hard work and entrepreneurial savvy. Yet, even the most astute business owners are often unfamiliar with the complexities that go into a successful succession strategy. We understand your succession in the context of your overall financial picture. We also work closely with your other financial advisors to help ensure your priorities are reflected in your succession strategy.
Concentrated Equity Positions
Equity compensation can be a valuable part of your compensation. But as you accumulate company stock over time, it may become a disproportionate share of your investment portfolio. If the value of that stock declines—for any reason—your wealth could take a major hit and jeopardize your plan. That’s why it’s a good idea to consider diversifying.
Cash Management and Lending
Morgan Stanley provides a range of deposit products and services alongside debit and credit cards to meet the cash management needs of clients. Morgan Stanley Home Loans is dedicated to helping clients meet their home ownership financing goals with personalized advice and client service. Morgan Stanley offers a variety of options for securities lending allowing clients to finance almost any personal or business need.
Currency Solutions
Morgan Stanley has a dedicated team of professionals who can assist you with FX transactions, either through the FX platform, supported by Capital Markets, or Global Currency (GC) platform, supported by Banking and Lending.
Location
2775 Sand Hill Road
Suite 120
Menlo Park, CA 94025
US
Meet The Orbis Terrarum Group
Senior Vice President, Financial Advisor, International Client Advisor, Portfolio Management Director, Alternative Investments Director, Insurance Planning Director
Phone:
(650) 496-4255(650) 496-4255
Phone:
(813) 286-5625(813) 286-5625
Hector Naranjo Lepe
Registered Client Service Associate, Portfolio Management Associate, Financial Planning Specialist
Phone:
(650) 926-7672(650) 926-7672
Jenny Lin
Registered Client Service Associate
Phone:
(650) 926-7613(650) 926-7613
Alan Chew, CPA®, CLU®, ChFC®
Executive Director, Wealth & Estate Planning Strategist
Michael G. Wang, CFA®
Executive Director - Morgan Stanley Private Bank
About Hugo Manzano-Gomez
With over 28 years of international investing and wealth management experience, Hugo Manzano-Gomez delivers holistic wealth management solutions to an elite clientele of primarily European entrepreneurs and executives. Hugo has built his practice on a foundation of education and competence, bringing a global perspective to the management of significant wealth across borders and across generations. He is familiar with the unique challenges faced by international families who invest in U.S.-based accounts and has an extensive network of professionals with cross-border-taxation expertise.
Prior to joining Morgan Stanley in 2010, Hugo served as a District Manager at Banesto, part of the Banco de Santander Group. Earlier in his career, he served as a Producing Branch Manager at Caixa Laietana. Hugo has also served as Treasurer and a board member of the California Spain Chamber of Commerce.
Born, raised and educated in Barcelona, Hugo earned his undergraduate degree from EUROAULA Business School. He later returned to the E.A.E Business School in Barcelona to complete his master’s degree in finance. Hugo is fluent in in Spanish, English, French and Catalan.
650-926-7168
Hugo.Manzano-Gomez@morganstanley.com
Prior to joining Morgan Stanley in 2010, Hugo served as a District Manager at Banesto, part of the Banco de Santander Group. Earlier in his career, he served as a Producing Branch Manager at Caixa Laietana. Hugo has also served as Treasurer and a board member of the California Spain Chamber of Commerce.
Born, raised and educated in Barcelona, Hugo earned his undergraduate degree from EUROAULA Business School. He later returned to the E.A.E Business School in Barcelona to complete his master’s degree in finance. Hugo is fluent in in Spanish, English, French and Catalan.
650-926-7168
Hugo.Manzano-Gomez@morganstanley.com
Securities Agent: WI, PR, OH, NV, NJ, MN, DC, OR, TX, TN, ID, CA, AZ, MO, WY, MA, VA, MI, FL, WA, NY, NC, MD, IL, SC, DE, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1368470
NMLS#: 1368470
About Janet K. Zhang
Janet Zhang offers comprehensive wealth strategies to a global clientele of affluent families, executives and corporations located in Asia, North America and Europe. With over a decade of experience in wealth management, Janet is well versed in addressing complex challenges that arise when managing significant wealth across borders.
Born and raised in China, Janet is fluent in both Mandarin and English. She earned her MBA from Pepperdine University. Prior to joining Morgan Stanley in 2015, she was a financial advisor at HSBC and Merrill Lynch. Earlier in her career she spent seven years helping Chinese companies invest in and build subsidiaries in the U.S. and the Middle East.
Born and raised in China, Janet is fluent in both Mandarin and English. She earned her MBA from Pepperdine University. Prior to joining Morgan Stanley in 2015, she was a financial advisor at HSBC and Merrill Lynch. Earlier in her career she spent seven years helping Chinese companies invest in and build subsidiaries in the U.S. and the Middle East.
Securities Agent: OR, OH, MI, AZ, ID, WI, CA, WA, TX, MN, NV, MO, IA, FL, NY, GA, CO, NJ, NC, DE, DC, SC, VA, WY, MD, MA, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 558100
NMLS#: 558100
About Zhuo Wang
Zhou Wang understands the role national culture and family dynamics play in wealth management planning. That informs Zhou’s work with her cross-border clients, many of whom have a multigenerational presence in both Asia and the United States.
Zhou believes clients deserve detailed information and guidance about strategies and products in a manner they can understand and that respects their background. She has found that language fluency and providing technical expertise are essential, but not enough. Understanding cultural differences and being able to explain the advantages of strategies such as prudent borrowing, and the differences between countries’ equity markets, helps international clients make more efficient and effective decisions. And having the ability to serve as a bridge, not just across borders, but across generations, helps secure values as well as financial legacies.
Born and raised in China, Zhuo is fluent in both Mandarin and English. She earned a bachelor’s degree in English from Tianjin Foreign Studies University, a master’s degree in linguistics from Yanbian University and a master’s degree in Finance from the University of South Florida. Zhou began her financial services career at Morgan Stanley as a Wealth Advisory Associate and then a Registered Client Associate before becoming a Financial Advisor in 2021. To take a break from the fast pace of following the markets, Zhou likes to do yoga, walk along the beach and sail.
Zhou believes clients deserve detailed information and guidance about strategies and products in a manner they can understand and that respects their background. She has found that language fluency and providing technical expertise are essential, but not enough. Understanding cultural differences and being able to explain the advantages of strategies such as prudent borrowing, and the differences between countries’ equity markets, helps international clients make more efficient and effective decisions. And having the ability to serve as a bridge, not just across borders, but across generations, helps secure values as well as financial legacies.
Born and raised in China, Zhuo is fluent in both Mandarin and English. She earned a bachelor’s degree in English from Tianjin Foreign Studies University, a master’s degree in linguistics from Yanbian University and a master’s degree in Finance from the University of South Florida. Zhou began her financial services career at Morgan Stanley as a Wealth Advisory Associate and then a Registered Client Associate before becoming a Financial Advisor in 2021. To take a break from the fast pace of following the markets, Zhou likes to do yoga, walk along the beach and sail.
Securities Agent: FL, OR, OH, DC, IL, AZ, WY, TX, MD, MA, IA, MN, ID, DE, WA, SC, NY, MO, CO, NV, GA, CA, CT, VA, PA, NJ, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1707729
CA Insurance License #: 4145945
NMLS#: 1707729
CA Insurance License #: 4145945
About Hector Naranjo Lepe
Hector focuses on maintaining strong and productive relationships with clients. Hector assists with the onboarding transition and process a broad range of service requests. He is also responsible for organizing client seminars, overseeing the marketing, operational, administrative and concierge functions for the team.
Prior to joining Morgan Stanley, Hector was a Wealth Management Client Associate at Merrill Lynch, and was a business owner for five years.
Fluent in both English and Spanish languages, Hector really enjoys working with domestic and international clients. He has obtained Series 7, Series 66 licenses from FINRA. He graduated from San Jose State University with a BS in Finance.
Prior to joining Morgan Stanley, Hector was a Wealth Management Client Associate at Merrill Lynch, and was a business owner for five years.
Fluent in both English and Spanish languages, Hector really enjoys working with domestic and international clients. He has obtained Series 7, Series 66 licenses from FINRA. He graduated from San Jose State University with a BS in Finance.
About Jenny Lin
Jenny Lin was a Relationship Manager who focused on developing long-lasting client relationships and loyalty. In her most recent role, she managed and advised a portfolio of 600+ affluent clients in a total of 230MM assets with the objective of customer acquisition and retention at HSBC Bank USA. She provided comprehensive financial planning, asset management, building financial rapport and developing long term relationships with affluent clients which resulted in net new wealth growth. Prior to this, she worked at Wells Fargo Bank as a licensed banker and brokerage associate.
Jenny holds a Bachelor of Science in Environmental Economics at UC Berkeley. She is bilingual and native in Chinese Mandarin and Cantonese. In her personal time, she enjoys canvas painting and interior design; she also loves biking and hiking during weekends.
Jenny holds a Bachelor of Science in Environmental Economics at UC Berkeley. She is bilingual and native in Chinese Mandarin and Cantonese. In her personal time, she enjoys canvas painting and interior design; she also loves biking and hiking during weekends.
About Alan Chew
Alan is an Executive Director at Morgan Stanley’s Family Office Resources and a Wealth & Estate Planning Strategist for the International and Central regions of the firm. In this role, he works with domestic and international ultra high net worth clients and families on strategic solutions in the areas of estate planning, tax, non profit and family governance.
Alan has extensive experience working closely with clients and their legal and tax advisors to define an efficient wealth and estate plan tailored to the specific goals, needs and circumstances of each family. Prior to joining Morgan Stanley, Alan was a Corporate Vice President at New York Life Insurance Company managing a national team of Chinese Advanced Planning Consultants providing financial and estate planning strategies and sales support, including conducting numerous sales seminars, for approximately 900 Chinese agents nationwide. Since 1995, Alan has also provided tax, legal and accounting services to the financial services industry and private sector companies, as a public auditor with KPMG and as a lawyer.
Alan earned both his Bachelor of Business Administration (Cum Laude) and Masters of Professional Accounting from The University of Texas at Austin. He earned his Juris Doctorate (Cum Laude) from the Southern Methodist Dedman School of Law. He is a licensed Texas CPA and California (inactive) CPA, and a licensed member of the Texas State Bar. He also holds the designations of Chartered Life Underwriter (CLU) and Chartered Financial Consultant ( ChFC ) with The American College. He currently holds FINRA Series 6, 7, 63 and 66 registrations. He is fluent in Mandarin and other Chinese dialects.
Alan has extensive experience working closely with clients and their legal and tax advisors to define an efficient wealth and estate plan tailored to the specific goals, needs and circumstances of each family. Prior to joining Morgan Stanley, Alan was a Corporate Vice President at New York Life Insurance Company managing a national team of Chinese Advanced Planning Consultants providing financial and estate planning strategies and sales support, including conducting numerous sales seminars, for approximately 900 Chinese agents nationwide. Since 1995, Alan has also provided tax, legal and accounting services to the financial services industry and private sector companies, as a public auditor with KPMG and as a lawyer.
Alan earned both his Bachelor of Business Administration (Cum Laude) and Masters of Professional Accounting from The University of Texas at Austin. He earned his Juris Doctorate (Cum Laude) from the Southern Methodist Dedman School of Law. He is a licensed Texas CPA and California (inactive) CPA, and a licensed member of the Texas State Bar. He also holds the designations of Chartered Life Underwriter (CLU) and Chartered Financial Consultant ( ChFC ) with The American College. He currently holds FINRA Series 6, 7, 63 and 66 registrations. He is fluent in Mandarin and other Chinese dialects.
About Michael G. Wang
Michael Wang is a senior International Lending Advisor working with Morgan Stanley’s Wealth Management partners across the Pacific Coast Region.
Michael has over 15 years of financial services experience, from investment/corporate banking, private banking, wealth management to private equity, in Asia, Europe and North America. Prior joining Morgan Stanley, Michael worked as a Vice President at RBC Capital Markets, a Director at Royal Bank of Canada, and other senior positions at different international financial institutions.
Michael received his Bachelor of Engineering in China, and earned his MBA from Queen’s University, Canada. Michael is a native Mandarin speaker and a Chartered Financial Analyst holder.
Outside of the office, Michael volunteers at New Horizon Career Club helping young Asian professionals in finance sector. Michael holds a black belt in Taekwondo and 2nd Dan in Kendo; he also enjoys travelling and history.
NMLS # 2078691
Michael has over 15 years of financial services experience, from investment/corporate banking, private banking, wealth management to private equity, in Asia, Europe and North America. Prior joining Morgan Stanley, Michael worked as a Vice President at RBC Capital Markets, a Director at Royal Bank of Canada, and other senior positions at different international financial institutions.
Michael received his Bachelor of Engineering in China, and earned his MBA from Queen’s University, Canada. Michael is a native Mandarin speaker and a Chartered Financial Analyst holder.
Outside of the office, Michael volunteers at New Horizon Career Club helping young Asian professionals in finance sector. Michael holds a black belt in Taekwondo and 2nd Dan in Kendo; he also enjoys travelling and history.
NMLS # 2078691
Contact Hugo Manzano-Gomez
Contact Janet K. Zhang
Contact Zhuo Wang
Wealth Management
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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
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
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
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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.
Ready to start a conversation? Contact The Orbis Terrarum Group today.
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.
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
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)
