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.*

Cultural, Business And Language Fluency

The cultural elements of global investment risk and family wealth dynamics are as vital as the technical elements of international wealth management.

We speak English, Spanish, French, Catalan, Mandarin and Cantonese. Most of our team was born, raised and have extensive business and finance experience overseas. We know how savings, spending, investing, and intergenerational family finances are viewed in Europe, Asia, and Latin America. We have a deep understanding of the opportunities and hurdles facing cross border investors and executives on expat assignments.

As expatriates ourselves, we understand your cross-border needs and don't have a bias towards any particular country or region.

Services We Offer Include:

  • Jurisdiction-appropriate investments
  • International equity compensation services
  • Currency solutions
  • Global family governance best practices
  • Cross border succession and philanthropy planning
  • Vast network of international tax planning and law firms
  • Networks for pre-immigration planning for those moving to or from the U.S.
  • Opening accounts for residents of over 60 countries

    Who We Work With

    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. Many have careers, businesses and family relationships that cross borders. With family members and assets in more than one country, we help our clients navigate intricacies relating to various cultures, languages and jurisdictions. Drawing from our vast resources at Morgan Stanley as well as our network of legal and tax professionals we help our clients address the multi-faceted, multi-generational wealth challenges most affluent families must address. The end goal is to help fulfill our client’s vision of a successful life.

    Our clients include corporate executives, business owners, women in wealth, ESG investors, families with generational wealth and family offices & institutions.
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      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.
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      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.
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      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.
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      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.
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      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 solutions tailored to align your portfolio with your purpose.
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      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.

    Key Life Events

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      Birth
      Welcoming a child into the family is a joyous occasion for everyone. As your trusted advisor, I will help you plan and prepare for the financial components that a new child might introduce to your lives.
      Learn More About Giving to Children
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      Education
      Education is a major investment that often requires years of careful, advanced planning. As educational costs continue to rise - from primary education through undergraduate, graduate and professional schools - we will work together to implement the appropriate funding strategies for your needs.
      529 Plans: A Powerful Tool to Save for Education
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      Marriage
      There are few events more exciting than tying the knot with the person you love. Managing your wealth is a critical component to maintaining a long, fruitful marriage. Also, helping fund your child's wedding is a goal for many parents and grandparents.
      Learn More About Talking Money
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      Planning for Your Future
      At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual needs.
      Goals Based Planning
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      Retirement
      Some people look forward to retirement as their time to relax and enjoy the fruits of their decades-long career. Others worry about their ability to support their lifestyle given certain life challenges. Saving for retirement is a lifelong process that relies on defined financial planning strategies.
      Learn More About Retirement Planning
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      Wealth Transfer
      Dealing with eventual transfer of wealth is intense and challenging. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including the administration of the estate. Even though it is a difficult conversation to have, we will help you determine your estate planning goals to minimize conflict and confusion for your loved ones when legacy is passed on.
      Learn More About Estate Planning

    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.
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      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"
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      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 here
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      Family 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?
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      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
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      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
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      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.
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      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.
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      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.
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      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

    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
    Securities Agent: CA, AZ, MI, FL, WA, NY, NC, MD, IL, SC, DE, CO, WI, MO, VA, MA, PR, NV, NJ, MN, DC, OR, TX, TN, ID, WY; General Securities Representative; Investment Advisor Representative
    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.
    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

    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.
    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

    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.

    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.

    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.

    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
    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.

    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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    Financial Planning for Life After Selling a Business

    Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

    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.

    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.
    The Business Case for a Financially Resilient Workforce
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    The Business Case for a Financially Resilient Workforce

    In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
    Ready to start a conversation? Contact The Orbis Terrarum Group today.
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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.

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

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    Awards Disclosures
    CRC 6491812 (04/2024)