Senior Vice President, Financial Advisor, Senior Portfolio Manager, Executive Financial Services Director, Alternative Investments Director
Phone:
(408) 947-2299(408) 947-2299
The Pacific Coast Aspire Group at Morgan Stanley
Our Mission Statement
We bring diverse talents and perspectives to the complex wealth management needs of high-achieving individuals and their families.
Our Story and Services
We are a team of highly experienced wealth advisors with exceptionally diverse personal and professional backgrounds. Our partners were born and raised on four continents, speak more than ten languages and have over 85 years of collective experience helping high-achieving individuals and their families pursue their financial aspirations. As many of our clients have built successful careers at Silicon Valley’s leading corporations, we are particularly adept at delivering tax-efficient solutions to managing all forms of incentive compensation and concentrated equity positions.
We appreciate that your needs and aspirations are unique to you and your family. Combining our own talents and perspectives with the vast global resources of our firm, we will help you craft a highly personalized and fully comprehensive wealth management plan based on their specific needs, goals and preferences. We bring powerful resources to the table and deliver an exceptional level of personalized service.
We look forward to learning more about you and your family, and to discussing how we can help you actualize your aspirations.
We appreciate that your needs and aspirations are unique to you and your family. Combining our own talents and perspectives with the vast global resources of our firm, we will help you craft a highly personalized and fully comprehensive wealth management plan based on their specific needs, goals and preferences. We bring powerful resources to the table and deliver an exceptional level of personalized service.
We look forward to learning more about you and your family, and to discussing how we can help you actualize your aspirations.
Services Include
- Wealth PlanningFootnote1
- Stock Option PlansFootnote2
- Sustainable InvestingFootnote3
- Alternative InvestmentsFootnote4
- Philanthropic ManagementFootnote5
- Executive Financial ServicesFootnote6
- Professional Portfolio ManagementFootnote7
- Cash Management and Lending ProductsFootnote8
- Planning for Individuals with Special Needs
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
We have a lot in common with the families and individuals we serve. Like our partners, many of our clients have moved across the country, or even around the world, to pursue their educational and professional objectives. They are hard-working people who have built thriving businesses or have established successful careers at Silicon Valley’s leading companies. In the process, they have created attractive opportunities for themselves and their families. Their success has also created complex wealth management issues that call for relatively sophisticated solutions. We offer the guidance needed to address questions like these:
Concentrated Stock Positions
What’s the best way to efficiently diversify stock positions in the company I work for, or used to work for? When is the right time to exercise my Non-Qualified Stock Options & Incentive Stock Options, and how can I minimize the tax liabilities on that transaction?
Learn More About our Insights & Resources
Financial Planning
How can I maximize the preservation of my assets for my heirs? Can I fund all my goals without running out of money? What tax-advantaged solutions should I be leveraging to do so? How do I fund my kid(s) college education?
Learn More About our Insights & Resources
Tax, Trust, & Estate Planning
What Estate Planning documents do I need to protect and provide for beneficiaries, and ensure the appropriate transfer of my assets? How can I enable medical or financial decision-making in case of incapacity?
Learn More About our Insights & Resources
Banking & Lending
How can I secure a line of credit without facing capital gains taxes? What interest rates are available to me? Can I get a mortgage for my home purchase?
Learn More About our Insights & Resources
Private Equity & Alternative Investments
How can I diversify my current investment portfolio to protect against cyclical risks? What investment options are available to me?
Learn More About our Insights & Resources
Retirement Planning
If I retire or sell my business, how can I generate the income to support my lifestyle? How much can I afford to help my family back home, and still save enough to retire comfortably and get my kids through college? Can I retire now and maintain my current lifestyle?
Learn More About our Insights & Resources
Structured Investments
Are there any investments that could complement my traditional investments (stocks, bonds) that help manage my overall portfolio risk? How do I invest to partially protect my investments against downside risk?
Learn More About our Insights & Resources
IPO and SPAC Planning
I hold shares in a company that has had an IPO or SPAC event. What wealth planning issues do I need to consider now that I’m far wealthier than I’ve ever been?
Learn More About our Insights & Resources
Schedule A Meeting
If these questions have been weighing on your mind, let's schedule a meeting to review your needs and develop a fuller financial picture.
Schedule a meetingOur Disciplined Process
Combining our own talents and experience with the vast global resources of our firm, we are able to deliver holistic wealth management solutions that address every aspect of your financial life. Following a highly disciplined process, we will help you create, implement and maintain a comprehensive wealth management plan designed to reach your most important personal, professional and philanthropic goals.
Discovery Meeting
We begin by learning about your history, your family, your values, concerns and aspirations. This discovery process enables us to develop an appropriate plan designed to help grow, preserve and transfer your wealth.
Develop Your Strategy
From this ongoing dialogue, we’ll analyze your current situation and begin to develop specific strategies to help achieve your goals. Your customized plan will also include an asset allocation strategy designed to help achieve your financial goals in light of your risk tolerance and investment time horizon.
Implement Your Strategy
Once you’ve approved your plan, we begin to execute each strategy, working closely with you to help ensure each of the various elements of your plan effectively integrate with one another. We closely monitor your strategy to make sure it stays current with your goals as your family and professional life evolves.
Review Your Performance
You will receive a quarterly review that outlines your portfolio’s performance, helping track your progress. What’s more, when your personal situation or market conditions change significantly, we will suggest appropriate adjustments to help your portfolio remain aligned with your goals.
Ongoing Service and Care
Committed to first-class service, we focus on developing enduring relationships that provide special value to you and your family. We are committed to delivering concierge service that emphasizes personalized attention and ongoing communication throughout the year.
Start The Conversation
Let's discuss your goals and objectives. Schedule a meeting with us below!
Schedule a MeetingLet's Review Your Individual Needs
Location
225 W Santa Clara Street
Ste 900
San Jose, CA 95113
US
Direct:
(408) 947-2299(408) 947-2299
225 W. Santa Clara St.
Suite 900
San Jose, CA, CA 95113
US
Direct:
(408) 947-2299(408) 947-2299
20400 Stevens Creek Blvd.
Suite 350
Cupertino, CA 95014
US
Direct:
(408) 861-2024(408) 861-2024
16000 Los Gatos Blvd
Los Gatos, CA 95032
US
Direct:
(408) 947-3707(408) 947-3707
1478 Stone Point Dr
Suite 500
Roseville, CA 95661
US
Direct:
(408) 797-7700(408) 797-7700
Meet The Pacific Coast Aspire Group
Vice President, Financial Advisor, Portfolio Manager, Alternative Investments Director, Workplace Advisor - Equity Compensation
Phone:
(408) 861-2024(408) 861-2024
Vice President, Wealth Management, Financial Advisor, Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(669) 259-8508(669) 259-8508
Van Nguyen
Senior Client Service Associate
About Julius Agbonbhase
Envisioning a need for a more tailored approach to meeting the expanding wealth management needs of a diverse clientele, Julius founded the Pacific Coast Aspire Group. His team includes a strong, multinational cast of professionals who have over 85 years of collective industry experience.
Julius manages wealth for a select clientele of accomplished executives, professionals, and their families. Working predominantly with clients in Silicon Valley and the San Francisco Bay Area, he has particularly extensive experience helping those whose wealth is largely concentrated in their company stock. Julius provides the sophisticated perspective needed to analyze complex positions, and leverages the vast intellectual, technological, and human resources within Morgan Stanley to deliver highly customized solutions to his clients.
Julius has a personal, academic, and professional background that spans Africa, Europe and North America, and is fluent in four languages: Dutch, Esan, Igbo and English. He holds a master’s degree in finance & investments from The Rotterdam School of Management, Erasmus University, one of Europe’s top business schools. Always seeking to expand the range of expertise he can offer his clients, Julius went on to complete Executive Programs at The Wharton School, University of Pennsylvania, and at Stanford University’s Graduate School of Business. He also holds the Certified Portfolio Manager (CPM) designation from the Academy of Portfolio Managers, which he obtained after completing the program and exams at Columbia University in New York.
When not at work, Julius spends much of his time with his wife and two kids in San Jose, California. He is actively engaged at his local church in Cupertino and leads impactful community development efforts in the Silicon Valley and San Francisco Bay Area. He also recently established an endowment to support secondary school education for students in his native Nigeria. He is actively championing efforts to create similar funds intended to close gaps in education, healthcare, and other social infrastructural development areas.
Julius manages wealth for a select clientele of accomplished executives, professionals, and their families. Working predominantly with clients in Silicon Valley and the San Francisco Bay Area, he has particularly extensive experience helping those whose wealth is largely concentrated in their company stock. Julius provides the sophisticated perspective needed to analyze complex positions, and leverages the vast intellectual, technological, and human resources within Morgan Stanley to deliver highly customized solutions to his clients.
Julius has a personal, academic, and professional background that spans Africa, Europe and North America, and is fluent in four languages: Dutch, Esan, Igbo and English. He holds a master’s degree in finance & investments from The Rotterdam School of Management, Erasmus University, one of Europe’s top business schools. Always seeking to expand the range of expertise he can offer his clients, Julius went on to complete Executive Programs at The Wharton School, University of Pennsylvania, and at Stanford University’s Graduate School of Business. He also holds the Certified Portfolio Manager (CPM) designation from the Academy of Portfolio Managers, which he obtained after completing the program and exams at Columbia University in New York.
When not at work, Julius spends much of his time with his wife and two kids in San Jose, California. He is actively engaged at his local church in Cupertino and leads impactful community development efforts in the Silicon Valley and San Francisco Bay Area. He also recently established an endowment to support secondary school education for students in his native Nigeria. He is actively championing efforts to create similar funds intended to close gaps in education, healthcare, and other social infrastructural development areas.
Securities Agent: SC, WA, IA, ME, VT, NH, AL, WY, WV, WI, DE, KS, OR, KY, NJ, NE, MS, OH, NV, UT, LA, MI, TN, CA, PR, SD, PA, AK, ND, TX, NM, OK, FL, NC, VI, VA, RI, ID, DC, NY, IL, MN, AR, CT, MO, GA, MT, CO, AZ, IN, HI, MD, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1834570
CA Insurance License #: #OG21680
NMLS#: 1834570
CA Insurance License #: #OG21680
About Andreas Lindstrom
Drawing on more than three decades of financial service industry experience, Andreas Lindstrom crafts highly customized wealth management plans for financially successful families and individuals. Often working with high-achieving employees of leading Silicon Valley companies, Andreas has particularly extensive experience helping his clients transform the wealth they have created in their stock plan and other concentrated positions into income strategies for retirement and other needs.
Andreas has spent the past 16 years working in a financial advisory capacity, including his current position and prior role as a Corporate Services Financial Consultant and Senior Financial Consultant at E*TRADE. Earlier in his career, he worked as an independent consultant and in the private office of an ultra high net worth family.
Andreas holds a law degree from the University in Zurich, Switzerland, where he was born and raised. His career led him to Germany and the United Kingdom before his current position brought him to Northern California. Andreas is fluent in German as well as English.
Outside of work, Andre’s family is at the center of his activities. An avid car guy, he is particularly interested in Mercedes of the late eighties and nineties, an era he believes represents the peak of automotive engineering.
Andreas has spent the past 16 years working in a financial advisory capacity, including his current position and prior role as a Corporate Services Financial Consultant and Senior Financial Consultant at E*TRADE. Earlier in his career, he worked as an independent consultant and in the private office of an ultra high net worth family.
Andreas holds a law degree from the University in Zurich, Switzerland, where he was born and raised. His career led him to Germany and the United Kingdom before his current position brought him to Northern California. Andreas is fluent in German as well as English.
Outside of work, Andre’s family is at the center of his activities. An avid car guy, he is particularly interested in Mercedes of the late eighties and nineties, an era he believes represents the peak of automotive engineering.
Securities Agent: KS, LA, ME, MI, MN, MO, MS, NE, NM, OK, PR, SD, UT, VI, WV, WY, AZ, CA, CO, CT, FL, GA, HI, ID, IL, IN, KY, MA, MD, MT, NC, ND, NH, NJ, NV, NY, OH, OR, PA, RI, SC, TN, TX, VA, VT, WA, WI, AK, AL, AR, DC, DE, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 2157020
CA Insurance License #: 0E56784
NMLS#: 2157020
CA Insurance License #: 0E56784
About Dedrick Rhone
Drawing on nineteen years of global financial experience, Dedrick Rhone brings clarity and control to the complex financial lives of highly accomplished executives, entrepreneurs, and their families. A designated Portfolio Manager, Dedrick believes strongly in a disciplined approach to wealth planning driven by each client’s unique goals and core values. He and his team strive to deliver a family office level of service, and a holistic approach to comprehensive wealth management that encompasses diversification of concentrated wealth, estate planning and other long-term wealth management strategies.
Dedrick earned a B.A. in Communications from the University of Northern Iowa. After graduation, he continued his studies in Taiwan, receiving a certificate of fluency in Mandarin from National Taiwan University’s Stanford International Chinese Language Program (ICLP). He started his financial career as a Junior Sales Trader for BNP Paribas in Taipei, before transitioning to wealth advisory and returning home to the United States. He joined Morgan Stanley in 2015.
Highly active in his community, Dedrick is a member of the Board of Trustee for Hidden Villa, a non-profit that fosters educational experiences that build connections and inspires a deeper appreciation and respect for nature, food, and one another. He has an appreciation for other cultures and enjoys travelling and exploring new places and new cuisines. He, his wife and son all enjoy spending time with their Scottish Terrier, Momo.
Dedrick earned a B.A. in Communications from the University of Northern Iowa. After graduation, he continued his studies in Taiwan, receiving a certificate of fluency in Mandarin from National Taiwan University’s Stanford International Chinese Language Program (ICLP). He started his financial career as a Junior Sales Trader for BNP Paribas in Taipei, before transitioning to wealth advisory and returning home to the United States. He joined Morgan Stanley in 2015.
Highly active in his community, Dedrick is a member of the Board of Trustee for Hidden Villa, a non-profit that fosters educational experiences that build connections and inspires a deeper appreciation and respect for nature, food, and one another. He has an appreciation for other cultures and enjoys travelling and exploring new places and new cuisines. He, his wife and son all enjoy spending time with their Scottish Terrier, Momo.
Securities Agent: MN, AL, VI, NY, NV, CO, WA, SC, VT, TN, OH, ME, IL, VA, PA, MT, AZ, DE, OR, MD, IN, FL, CT, TX, NH, KS, HI, GA, WY, DC, MS, AR, NM, AK, WI, LA, PR, NE, SD, IA, UT, OK, NC, MA, KY, WV, RI, MO, NJ, ND, MI, ID, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1597630
NMLS#: 1597630
About Me
Drawing on more than 13 years of experience in the financial industry, Steven implements highly customized wealth management plans for accomplished individuals and their families. Steven’s process is built around his core foundation: listening to and truly understanding his client’s financial objectives — before making an investment recommendation.
Often working with tech executives, Steven is well-versed in the complexities of managing concentrated stock positions and incentive compensation. He offers comprehensive strategies to help his clients simplify their financial lives, protect and grow their wealth, and pursue their goals with confidence.
Prior to joining Morgan Stanley, Steven spent 10 years at E*TRADE as a Senior Financial Consultant in Cupertino, where he consistently ranked as one of the top Financial Consultants in the country. He has received the E*TRADE Circle of Excellence award every year from 2015 through 2021 and was recognized as the E*TRADE Financial Consultant of the Year in 2016.
Earlier in his career, Steven held financial roles at Trilogy Financial Services and Wells Fargo Advisors. Steven graduated from the University of California, Santa Cruz where he earned a B.S. in Business Management and Economics.
Born and raised in the Bay Area, he now lives in Santa Clara. Steven has volunteered at West Valley Community Services and has been an active member of Toastmasters International — where he previously served as a Chairman of the Cupertino Chapter. In his free time, Steven enjoys exploring national parks, biking, and playing table tennis.
Often working with tech executives, Steven is well-versed in the complexities of managing concentrated stock positions and incentive compensation. He offers comprehensive strategies to help his clients simplify their financial lives, protect and grow their wealth, and pursue their goals with confidence.
Prior to joining Morgan Stanley, Steven spent 10 years at E*TRADE as a Senior Financial Consultant in Cupertino, where he consistently ranked as one of the top Financial Consultants in the country. He has received the E*TRADE Circle of Excellence award every year from 2015 through 2021 and was recognized as the E*TRADE Financial Consultant of the Year in 2016.
Earlier in his career, Steven held financial roles at Trilogy Financial Services and Wells Fargo Advisors. Steven graduated from the University of California, Santa Cruz where he earned a B.S. in Business Management and Economics.
Born and raised in the Bay Area, he now lives in Santa Clara. Steven has volunteered at West Valley Community Services and has been an active member of Toastmasters International — where he previously served as a Chairman of the Cupertino Chapter. In his free time, Steven enjoys exploring national parks, biking, and playing table tennis.
Securities Agent: OK, TN, CA, NV, RI, NJ, CO, NY, VT, UT, OH, GA, NC, HI, FL, TX, SC, WY, ND, MI, MD, IN, IL, CT, PA, MT, MA, WA, VA, ID, OR, NE, AZ, MS, NM, KY, MN, ME, SD, MO, IA, DE, WI, KS, DC, NH, AK, WV, LA, AR, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 755589
NMLS#: 755589
About Ayo Akinwande
Drawing on diverse experience as a Financial Advisor and employee benefits professional, Ayo Akinwande crafts highly customized wealth strategies for successful individuals and their families. Ayo seeks to develop a nuanced understanding of each client’s financial journey– their unique values, circumstances, needs and aspirations. He can then offer the guidance needed to make informed financial decisions and deliver the resources to put those decisions into action. The result is a comprehensive financial plan that goes well beyond investment strategy to address every aspect of his clients’ financial lives.
Prior to joining Morgan Stanley in 2021, Ayo served as a Client Relationship Manager at BenSource Employee Benefits. His decision to become a Financial Advisor was largely driven by the realization that too many corporate employees lacked the guidance and knowledge to take full advantage of their retirement plans and incentives. Earlier in his career, he served as the Chief Financial Officer of Hi-Q Assets, LLC, and as a District Leader for Primerica. He graduated from Georgia State University’s J. Mack Robinson College of Business with a Bachelor of Business Administration in 2018.
Born in Nigeria, Ayo emigrated to the United States with his parents when he was 10 years old. He is fluent in Yoruba and Ondo as well as English. He now lives in Sacramento with his wife, Sylvia, and their newborn son, Asher. In his few free hours outside of work, Ayo volunteers his video and tech support talents to his church and is taking up golf.
Prior to joining Morgan Stanley in 2021, Ayo served as a Client Relationship Manager at BenSource Employee Benefits. His decision to become a Financial Advisor was largely driven by the realization that too many corporate employees lacked the guidance and knowledge to take full advantage of their retirement plans and incentives. Earlier in his career, he served as the Chief Financial Officer of Hi-Q Assets, LLC, and as a District Leader for Primerica. He graduated from Georgia State University’s J. Mack Robinson College of Business with a Bachelor of Business Administration in 2018.
Born in Nigeria, Ayo emigrated to the United States with his parents when he was 10 years old. He is fluent in Yoruba and Ondo as well as English. He now lives in Sacramento with his wife, Sylvia, and their newborn son, Asher. In his few free hours outside of work, Ayo volunteers his video and tech support talents to his church and is taking up golf.
Securities Agent: GA, DE, VA, RI, NV, NM, IN, IL, MT, MD, MO, MI, CO, PA, CT, WV, WA, UT, OH, NY, NJ, ND, ID, AZ, AK, VT, TX, SC, NH, CA, OR, HI, FL, AL, TN, NC, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 2192350
CA Insurance License #: 4155007
NMLS#: 2192350
CA Insurance License #: 4155007
About Sheila Wang
Drawing on 17 years of institutional and personal wealth management experience, Sheila Wang crafts highly customized financial solutions for a global clientele of accomplished executives, professionals, business owners and various entities. Having guided her clients through multiple markets cycles, Sheila offers an experienced perspective to help them preserve and grow their assets, simplify their financial lives and pursue their personal and professional goals. She has crafted plans to help her clients secure a comfortable retirement, send their children to college, buy homes, manage risks and establish their personal and charitable legacies. Most importantly, Sheila has won the trust of families who know that she will be there for them whenever needed.
Sheila is at her best when her clients are facing complex challenges, particularly those connected with highly concentrated positions in their company stock. She provides the sophisticated perspective needed to analyze their positions, and leverages the vast intellectual, technological, and planning and product specialist resources within Morgan Stanley to deliver highly customized solutions.
Prior to teaming up with the Pacific Coast Aspire Group in 2025, Sheila ran a solo practice as a Morgan Stanley Financial Advisor and Portfolio Manager. She had previously spent seven years working in wealth management at HBSC, and five years in the International Division of UBS.
Born and raised in China, Sheila speaks fluent Mandarin and Cantonese. She emigrated to the United States as a young professional several years graduating from Guangzhou Academy of Fine Arts. With her creative background, she brings a uniquely opened-minded approach to solving problems and creating opportunities for her clients.
Sheila has made her home in Foster City, California for more than 20 years. She has a son in college who hopes to follow in her footsteps and build a successful career in VC and finance. In addition to coaching and mentoring him, Sheila is an enthusiastic golfer outside of work.
Sheila is at her best when her clients are facing complex challenges, particularly those connected with highly concentrated positions in their company stock. She provides the sophisticated perspective needed to analyze their positions, and leverages the vast intellectual, technological, and planning and product specialist resources within Morgan Stanley to deliver highly customized solutions.
Prior to teaming up with the Pacific Coast Aspire Group in 2025, Sheila ran a solo practice as a Morgan Stanley Financial Advisor and Portfolio Manager. She had previously spent seven years working in wealth management at HBSC, and five years in the International Division of UBS.
Born and raised in China, Sheila speaks fluent Mandarin and Cantonese. She emigrated to the United States as a young professional several years graduating from Guangzhou Academy of Fine Arts. With her creative background, she brings a uniquely opened-minded approach to solving problems and creating opportunities for her clients.
Sheila has made her home in Foster City, California for more than 20 years. She has a son in college who hopes to follow in her footsteps and build a successful career in VC and finance. In addition to coaching and mentoring him, Sheila is an enthusiastic golfer outside of work.
Securities Agent: MI, MT, UT, AL, PR, KS, AR, NE, MS, DC, VI, LA, WY, SD, NM, KY, IA, ME, NH, WA, IN, GA, WI, TN, ID, FL, CA, WV, OR, OK, MA, RI, NY, MN, DE, IL, VA, OH, CT, TX, PA, ND, NC, CO, NV, NJ, MO, MD, HI, AZ, AK, VT, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 2130336
CA Insurance License #: 0I55357
NMLS#: 2130336
CA Insurance License #: 0I55357
About Van Nguyen
Van Nguyen works to create an ourstanding overall service experience for the team’s clients. Van is responsible for a broad variety of administrative and operational duties, including account openings and maintenance, scheduling and the processing of daily cash management activities.
Van began her financial services industry career in 1993. She also held client service positions in the medical industry and government social services office. Van earned her B.S. in marketing from San Jose State University.
Active in her Church, Van enjoys reading spiritual texts and teaching youth bible and Vietnamese language classes. She also volunteers to drive seniors to appointments. In her free time, she enjoys drawing, listening to music and spending time with family and friends.
Van began her financial services industry career in 1993. She also held client service positions in the medical industry and government social services office. Van earned her B.S. in marketing from San Jose State University.
Active in her Church, Van enjoys reading spiritual texts and teaching youth bible and Vietnamese language classes. She also volunteers to drive seniors to appointments. In her free time, she enjoys drawing, listening to music and spending time with family and friends.
Contact Julius Agbonbhase
Contact Andreas Lindstrom
Contact Dedrick Rhone
Contact Steven Do
Contact Ayo Akinwande
Contact Sheila Wang
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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
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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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Business Planning
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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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 Pacific Coast Aspire Group today.
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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
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3The 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.
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.
5Products 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.
6Morgan 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.
7Morgan 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.
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
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)
