Michael Parziale
Managing Director, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(858) 613-7102(858) 613-7102
The Pangaea Group at Morgan Stanley
Direct:
(858) 613-7103(858) 613-7103
Direct:
(800) 755-3765(800) 755-3765
Toll-Free:
(888) 977-1979(888) 977-1979
Our Mission Statement
A focused team within a global firm, the Pangaea Group aims to serve ultra-high-net-worth individuals, families, and those in need of sophisticated financial solutions
Our Story
Our practice offers the intimacy of a boutique, coupled with the resources of one of the premier investment firms in the world.
We help high net worth clients that include individuals, families, professional athletes, successful business owners and trusts navigate the noise that purveys Wall Street and build customized investment strategies within the context of each client’s goals, objectives and risk tolerance.
Together, we will explore a broad range of topics that are likely to influence your financial future. What we learn will become the foundation for a financial and investment strategy based on who you are and where you want to go.
We believe that working together helps to provide you with access to possibilities of potential solutions, and helps to ensure that you benefit from high levels of service. Over time, we help you navigate the noise and distractions of challenging markets, providing a sense of focus on what’s most important – your progress toward your goals.
We look forward to hearing about your goals and challenges, and demonstrating how we can help you address them.
We help high net worth clients that include individuals, families, professional athletes, successful business owners and trusts navigate the noise that purveys Wall Street and build customized investment strategies within the context of each client’s goals, objectives and risk tolerance.
Together, we will explore a broad range of topics that are likely to influence your financial future. What we learn will become the foundation for a financial and investment strategy based on who you are and where you want to go.
We believe that working together helps to provide you with access to possibilities of potential solutions, and helps to ensure that you benefit from high levels of service. Over time, we help you navigate the noise and distractions of challenging markets, providing a sense of focus on what’s most important – your progress toward your goals.
We look forward to hearing about your goals and challenges, and demonstrating how we can help you address them.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Business PlanningFootnote4
- Business Succession PlanningFootnote5
- Estate Planning StrategiesFootnote6
- Asset Management
- Cash Management and Lending ProductsFootnote7
- Alternative InvestmentsFootnote8
- Philanthropic ManagementFootnote9
- Endowments and FoundationsFootnote10
- Long Term Care InsuranceFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Modern Wealth Tools:
Our goal is simple: "To be the firm with some of the most talented advisors in the industry, leverage cutting-edge technology, and deliver customized wealth management solutions to clients and their families to help them achieve their life goals." The Firm strives to ensure it serves clients on its technology platforms that are safe, resilient, smart, efficient, and flexible.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
1. Total Wealth View – Access streamlined views of your assets and liabilities, including mortgage information, aggregated from all of your financial institutions.
2. Current Financial News – Access up-to-date news, current market data, research, company profiles, and quotes.
3. Access Import Documents – Sign up for digital access to all of your financial documents.
4. Manage Everyday Finances – Mobile check deposit, online bill pay, send money with Zelle, and e-authorizations.
Morgan Stanley Online1. Total Wealth View – Access streamlined views of your assets and liabilities, including mortgage information, aggregated from all of your financial institutions.
2. Current Financial News – Access up-to-date news, current market data, research, company profiles, and quotes.
3. Access Import Documents – Sign up for digital access to all of your financial documents.
4. Manage Everyday Finances – Mobile check deposit, online bill pay, send money with Zelle, and e-authorizations.
Family Office Resources
Family Office Resources (FOR) provides specialized technical expertise to ultra-high-net-worth financial advisors and clients across a broad range of family wealth management issues.
The video below provides a brief synopsis of the complex, multi-generational challenges facing ultra-high-net-worth families, and the extensive range of specialized capabilities our team can deliver to you and your family.
Family Office ResourcesThe video below provides a brief synopsis of the complex, multi-generational challenges facing ultra-high-net-worth families, and the extensive range of specialized capabilities our team can deliver to you and your family.
Global Sports & Entertainment Director
The Global Sports & Entertainment designation is given to select advisors who are dedicated to serving both professional athletes and entertainers. Senior Financial Advisor, Michael Parziale holds this elite designation, and aims to fulfill the complex needs of such clients.
Learn more about what the Global Sports & Entertainment designation means when it comes to wealth management.
Global Sports & Entertainment DirectorLearn more about what the Global Sports & Entertainment designation means when it comes to wealth management.
Family Wealth Director
The Family Wealth Director (FWD) designation is given to elite advisors who have extensive experience working with ultra-high-net-worth families, and who have undergone specialized training. Senior Financial Advisor, Daniel Morilak holds this prestigious designation, and specializes in the following areas:
1. Investment Management
2. Comprehensive Wealth Management Planning
3. Estate Planning strategies
4. Cash Management & Lending Services
5. Family Governance
6. Philanthropy Management
7. Wealth education
Family Wealth Director1. Investment Management
2. Comprehensive Wealth Management Planning
3. Estate Planning strategies
4. Cash Management & Lending Services
5. Family Governance
6. Philanthropy Management
7. Wealth education
Overview -
Discovery Process:
Establishing Financial Objectives - We work with clients to establish a realistic set of objectives based on their financial goals, time horizon, liquidity needs, and tolerance to volatility & risk.
Formulation of Tax & Estate Planning:
Plans to Service - Working with you to build strategic plans in estate planning and tax minimization via. services such as tax loss harvesting.
Defining Wealth Strategy:
Customized Strategies - Develop an investment strategy to help produce optimal portfolio performance & seek to generate the highest return potential consistent with the strategy's level of risk.
Evaluate & Select Investments:
Portfolio Growth - Leverage the global resources of Morgan Stanley to select investments to implement your personal strategy.
Ongoing Review Process:
Assessment of Wealth Management Needs - Monitor your portfolio to track its performance relative to your stated objectives. Furthermore, modify your portfolio on a discretionary basis as your needs and circumstances change over time.
Planning For Change -
The Pangaea Group aims to assist you in all of your complex needs. When it comes to exiting your business, we offer strategic solutions & insight when it comes to next steps, planning, and tax preparation strategies.
Exiting Your Business:
You've devoted your career to building your company and now its time to plan for what comes next. It is a transition that is among the most complex in the business...and life itself.
Pre-Liquidity Event Planning Overview:
In addition to strategic tax planning, a liquidity event often raises greater issues for the business owner. He or she often is faced with fundamental questions for the first time regarding family goals and priorities, investment decisions, wealth preservation and stewardship as well as philanthropy.
Charitable Giving & Philanthropy
Transforming Passion into Action - Do you have a passion that you'd like to transform into an actionable plan that benefits others?
We, along with our partners across the firm, can help you:
- Define your charitable interests and identify nonprofits that work in those areas
- Select charitable vehicles that may address your needs
- Implement plans to help ensure that your charitable dollars are well spent
- Seek nonprofit board placements that complement your passion
- Conduct research on specific charities and areas of charitable interest
- Introduce you to like-minded philanthropists
- Find ways to involve children and other family members in your giving
Begin to identify factors that might have shaped your attitude about charitable giving, ask yourself the following questions:
- Which childhood lessons about money related to giving have carried over into your life as an adult?
- As you look at how you spend your time now, what activities do you enjoy the most? Which activities do you consider the most worthwhile?
- Describe the nonprofits you support. What is your reason for giving to these organizations?
- What single charitable gift or activity has given you the most joy?
- Do you know how effectively the organizations you support have been using the money? Is this an important factor to you?
- Gaining access to Philanthropic Services can be contingent on meeting certain criteria, including minimum $25MM total net worth, with $10MM in liquid assets.
Location
6041 La Flecha
Rancho Santa Fe, CA 92067
US
Direct:
(858) 613-7103(858) 613-7103
Toll-Free:
(888) 977-1979(888) 977-1979
Meet The Pangaea Group
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Director, Executive Financial Services Director, Workplace Advisor - Equity Compensation
Phone:
(858) 613-7103(858) 613-7103
Brad Sherman
Wealth Management Analyst
Phone:
(858) 613-8155(858) 613-8155
Christie Lawrence
Portfolio Associate
Phone:
(858) 613-7101(858) 613-7101
Anna Thomas
Portfolio Associate
Phone:
(858) 613-7105(858) 613-7105
About Michael Parziale
Michael Parziale
Managing Director
Sports and Entertainment Director
Alternatives Investment Director
Michael Parziale is a Financial Advisor and Managing Director with Morgan Stanley. He is a co-founder and partner with Pangaea Group at Morgan Stanley in Rancho Santa Fe.
Michael is also a Global Sports and Entertainment Director. Morgan Stanley Global Sports & Entertainment is a specialized wealth management division of Morgan Stanley, dedicated to serving the unique and complex needs of athletes, entertainers and top professionals in the sports and entertainment.
As a Sports and Entertainment Director, Mike understands the complexities and pressures athletes and entertainers face and the financial implications that come with that. Working closely with top professionals in the sports and entertainment industries and their personal confidantes, Mike helps provide access to the products and services needed to help build and preserve financial independence as their circumstances, goals and priorities continue to evolve.
For years Mike has led his experienced team in providing a highly tailored brand of professional advice and counsel to the high net worth individuals, families and businesses they serve. Through bull and bear markets, they have remained focused on one goal – to help their clients live their best life.
Mike oversees the team’s Global Tactical portfolios, employing alternative asset classes and strategies to complement standard allocation methods. These portfolios often utilize sophisticated investment strategies seeking to manage risk. Michael leads the research and analysis on equities and new issue syndicate for the team as well as alternative investments, which include hedge funds, managed futures funds and private equity investments. His experience also extends to estate planning and complex wealth transfer strategies.
Mike earned his Bachelors of Science Degree in Finance from Case Western Reserve University in Cleveland, OH. He resides in Rancho Santa Fe with his wife and has three children.
He holds a Series 7, 8, 31, 63 and 65 securities registrations as well as the State of California Insurance license #0E20913
6037 La Flecha PO Box 415
Rancho Santa Fe, CA 92067
(p) 858-613-7102
(f) 858-756-4382
An investment in alternative investments can be highly illiquid, is speculative and not suitable for all investors. Investing in alternative investments is only intended for experienced and sophisticated investors who are willing to bear the high economic risks associated with such an investment. Investors should carefully review and consider potential risks before investing. Some of these risks may include:
• loss of all or a substantial portion of the investment due to leveraging, short-selling, or other speculative practices;
• lack of liquidity in that there may be no secondary market for the fund and none is expected to develop;
• volatility of returns;
• restrictions on transferring interests;
• potential lack of diversification and resulting higher risk due to concentration of trading authority when a single advisor is utilized;
• absence of information regarding valuations and pricing;
• complex tax structures and delays in tax reporting;
• less regulation and higher fees than mutual funds; and
• manager risk.
Individual funds will have specific risks related to their investment programs that will vary from fund to fund.
Actual results may vary and past performance is no guarantee of future results.
Managing Director
Sports and Entertainment Director
Alternatives Investment Director
Michael Parziale is a Financial Advisor and Managing Director with Morgan Stanley. He is a co-founder and partner with Pangaea Group at Morgan Stanley in Rancho Santa Fe.
Michael is also a Global Sports and Entertainment Director. Morgan Stanley Global Sports & Entertainment is a specialized wealth management division of Morgan Stanley, dedicated to serving the unique and complex needs of athletes, entertainers and top professionals in the sports and entertainment.
As a Sports and Entertainment Director, Mike understands the complexities and pressures athletes and entertainers face and the financial implications that come with that. Working closely with top professionals in the sports and entertainment industries and their personal confidantes, Mike helps provide access to the products and services needed to help build and preserve financial independence as their circumstances, goals and priorities continue to evolve.
For years Mike has led his experienced team in providing a highly tailored brand of professional advice and counsel to the high net worth individuals, families and businesses they serve. Through bull and bear markets, they have remained focused on one goal – to help their clients live their best life.
Mike oversees the team’s Global Tactical portfolios, employing alternative asset classes and strategies to complement standard allocation methods. These portfolios often utilize sophisticated investment strategies seeking to manage risk. Michael leads the research and analysis on equities and new issue syndicate for the team as well as alternative investments, which include hedge funds, managed futures funds and private equity investments. His experience also extends to estate planning and complex wealth transfer strategies.
Mike earned his Bachelors of Science Degree in Finance from Case Western Reserve University in Cleveland, OH. He resides in Rancho Santa Fe with his wife and has three children.
He holds a Series 7, 8, 31, 63 and 65 securities registrations as well as the State of California Insurance license #0E20913
6037 La Flecha PO Box 415
Rancho Santa Fe, CA 92067
(p) 858-613-7102
(f) 858-756-4382
An investment in alternative investments can be highly illiquid, is speculative and not suitable for all investors. Investing in alternative investments is only intended for experienced and sophisticated investors who are willing to bear the high economic risks associated with such an investment. Investors should carefully review and consider potential risks before investing. Some of these risks may include:
• loss of all or a substantial portion of the investment due to leveraging, short-selling, or other speculative practices;
• lack of liquidity in that there may be no secondary market for the fund and none is expected to develop;
• volatility of returns;
• restrictions on transferring interests;
• potential lack of diversification and resulting higher risk due to concentration of trading authority when a single advisor is utilized;
• absence of information regarding valuations and pricing;
• complex tax structures and delays in tax reporting;
• less regulation and higher fees than mutual funds; and
• manager risk.
Individual funds will have specific risks related to their investment programs that will vary from fund to fund.
Actual results may vary and past performance is no guarantee of future results.
Securities Agent: PA, DC, UT, SC, LA, KY, OR, CO, OH, NY, ID, GA, PR, CT, IL, NC, MD, MT, MA, WI, TX, MI, WA, VA, NV, FL, CA, AZ, WY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 841807
NMLS#: 841807
About Daniel Morilak
Daniel Morilak
Senior Vice President, Financial Advisor
Family Wealth Director
Executive Financial Services Director
Work Place Advisor - Equity Compensation
Daniel is a co-founder and member of The Pangaea Group at Morgan Stanley in Rancho Santa Fe, CA. The Pangaea Group is a Wealth Management and Advisory business focused on helping individuals and families achieve their financial goals through all market environments. This focus is achieved through a diligent wealth planning process and persistent implementation of the aspects of the plan which includes investment management, debt management, estate planning strategies, tax management strategies, insurance solutions, business planning and more.
Dan has enjoyed a career in financial services since 2001 and holds the Family Wealth Director designation, successfully completing a specialized, high-end professional development program, positioning himself as an alternative to a family office. His clients are entitled to a full suite of financial planning and investment services as well as access to a full breadth of family advisory-services-such as philanthropy, business monetization and succession planning, aggregated reporting and family governance & dynamics—all of which are tailored to meet their unique wealth management needs.
Daniel has also been quoted in articles in industry trade journals including Investment News, Bank Investment Consultant, and On Wall Street. He earned his Bachelors of Science Degree in Physics from Case Western Reserve University in Cleveland, OH and his Master of Science Degree in Industrial Engineering from Cleveland State University in Cleveland, OH. Dan resides in Rancho Santa Fe with his wife, Fran, and two children, Jessica and Jacob. He is active in his community, serving on the board of the non-profit organizations of The Magdalena Ecke YMCA in Encinitas and The Star Theatre in Oceanside.
He holds Series 7, 66 and 31 securities registrations, State of California Insurance license #0E19100, Family Wealth Director and CFM designations.
The Pangaea Group and Daniel Morilak are most effective when serving clients who have the need for complex financial solutions or whose net worth requires they are availed to a team with the experience to solve tax management, estate transfer, business succession or other unique financial situations. Through proper asset allocation, investment management, debt management, and wealth protection strategies the Pangaea Group works with our clients and their other trusted advisors (CPA, Attorney, etc.) to help ensure that most appropriate structures and strategies are in place and working towards their goals.
The Pangaea Group wealth planning includes investments, cash flow, stock options, restricted stock, life insurance, other pertinent insurance, real assets, liabilities.
Through Morgan Stanley our clients can also get access to corporate retirement plan services, corporate cash management, 10b(5)-1 plan establishment, and Endowment and Foundation management services.
The Pangaea Group is established in Rancho Santa Fe as a Family Wealth Office for Morgan Stanley providing a family office experience to their clients with the access and capabilities of the world's largest Broker Dealer.
Senior Vice President, Financial Advisor
Family Wealth Director
Executive Financial Services Director
Work Place Advisor - Equity Compensation
Daniel is a co-founder and member of The Pangaea Group at Morgan Stanley in Rancho Santa Fe, CA. The Pangaea Group is a Wealth Management and Advisory business focused on helping individuals and families achieve their financial goals through all market environments. This focus is achieved through a diligent wealth planning process and persistent implementation of the aspects of the plan which includes investment management, debt management, estate planning strategies, tax management strategies, insurance solutions, business planning and more.
Dan has enjoyed a career in financial services since 2001 and holds the Family Wealth Director designation, successfully completing a specialized, high-end professional development program, positioning himself as an alternative to a family office. His clients are entitled to a full suite of financial planning and investment services as well as access to a full breadth of family advisory-services-such as philanthropy, business monetization and succession planning, aggregated reporting and family governance & dynamics—all of which are tailored to meet their unique wealth management needs.
Daniel has also been quoted in articles in industry trade journals including Investment News, Bank Investment Consultant, and On Wall Street. He earned his Bachelors of Science Degree in Physics from Case Western Reserve University in Cleveland, OH and his Master of Science Degree in Industrial Engineering from Cleveland State University in Cleveland, OH. Dan resides in Rancho Santa Fe with his wife, Fran, and two children, Jessica and Jacob. He is active in his community, serving on the board of the non-profit organizations of The Magdalena Ecke YMCA in Encinitas and The Star Theatre in Oceanside.
He holds Series 7, 66 and 31 securities registrations, State of California Insurance license #0E19100, Family Wealth Director and CFM designations.
The Pangaea Group and Daniel Morilak are most effective when serving clients who have the need for complex financial solutions or whose net worth requires they are availed to a team with the experience to solve tax management, estate transfer, business succession or other unique financial situations. Through proper asset allocation, investment management, debt management, and wealth protection strategies the Pangaea Group works with our clients and their other trusted advisors (CPA, Attorney, etc.) to help ensure that most appropriate structures and strategies are in place and working towards their goals.
The Pangaea Group wealth planning includes investments, cash flow, stock options, restricted stock, life insurance, other pertinent insurance, real assets, liabilities.
Through Morgan Stanley our clients can also get access to corporate retirement plan services, corporate cash management, 10b(5)-1 plan establishment, and Endowment and Foundation management services.
The Pangaea Group is established in Rancho Santa Fe as a Family Wealth Office for Morgan Stanley providing a family office experience to their clients with the access and capabilities of the world's largest Broker Dealer.
Securities Agent: CO, WY, OH, CT, AZ, VA, TX, SC, ID, MT, FL, DC, NC, MI, LA, KY, WA, UT, NY, MA, PA, OR, MD, GA, WI, PR, NV, IL, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265121
CA Insurance License #: 0E19100
NMLS#: 1265121
CA Insurance License #: 0E19100
About Brad Sherman
Brad Sherman
Wealth Management Analyst
Brad brings a dynamic combination of leadership, financial decisiveness, and strategic insight to his role as he transitions from a Wealth Management Analyst to Financial Advisor Associate with the Pangaea Group at Morgan Stanley.
Brad’s career journey is as dynamic as the clients he serves. A decorated Marine Corps pilot, he spent over two decades as a Marine Corps officer, before he retired as a Lieutenant Colonel. His military service instilled in him a deep foundation of trust, integrity, and disciplined decision making – principles that guide him as he helps clients navigate complex financial decisions.
As a Wealth Management Analyst since 2021, Brad has distinguished himself by leading with innovative solutions to complex and sophisticated client situations. His collaborative nature and sense of team shines through, especially when combined with other respective supporting elements (Tax professionals or Estate planners) as may be required.
Clients value his ability to identify with the emotions that come from greater wealth, but also appreciate his methodical and transparent approach.
Brad earned his degree in Financial Management from California Polytechnic State University, San Luis Obispo, and later completed his MBA at the Naval Postgraduate School in Monterey, California, specializing in Acquisitions and Contracting.
He holds Series 7 and 66 securities registrations.
Outside the office, Brad is a lifelong learner with a passion for aviation, travel, and sports. A native of Huntington Beach, he now resides in San Marcos, CA with his wife, Earlene, and their two children, Kaylee and Nick.
Wealth Management Analyst
Brad brings a dynamic combination of leadership, financial decisiveness, and strategic insight to his role as he transitions from a Wealth Management Analyst to Financial Advisor Associate with the Pangaea Group at Morgan Stanley.
Brad’s career journey is as dynamic as the clients he serves. A decorated Marine Corps pilot, he spent over two decades as a Marine Corps officer, before he retired as a Lieutenant Colonel. His military service instilled in him a deep foundation of trust, integrity, and disciplined decision making – principles that guide him as he helps clients navigate complex financial decisions.
As a Wealth Management Analyst since 2021, Brad has distinguished himself by leading with innovative solutions to complex and sophisticated client situations. His collaborative nature and sense of team shines through, especially when combined with other respective supporting elements (Tax professionals or Estate planners) as may be required.
Clients value his ability to identify with the emotions that come from greater wealth, but also appreciate his methodical and transparent approach.
Brad earned his degree in Financial Management from California Polytechnic State University, San Luis Obispo, and later completed his MBA at the Naval Postgraduate School in Monterey, California, specializing in Acquisitions and Contracting.
He holds Series 7 and 66 securities registrations.
Outside the office, Brad is a lifelong learner with a passion for aviation, travel, and sports. A native of Huntington Beach, he now resides in San Marcos, CA with his wife, Earlene, and their two children, Kaylee and Nick.
Securities Agent: ME, AZ, TX, TN, DC, AR, CT, NY, MT, WI, VA, UT, PR, OH, MA, AL, NV, FL, CA, NC, KY, PA, OR, MD, CO, WY, WA, SC, NM, MI, IN, IL, ID, GA, OK, NH, LA; General Securities Representative; Investment Advisor Representative
About Christie Lawrence
Christie Lawrence
Portfolio Associate
Christie Lawrence is a Portfolio Associate with the Pangaea Group at Morgan Stanley. She manages operations for the team. With over 17 years of financial experience, she began her career in the advisor sales training program with Morgan Stanley. She has worked with the founding members and financial advisors of the Pangaea Group at Morgan Stanley for the past 14 years.
Christie holds a Bachelor of Science degree from the University of Colorado at Boulder, Leeds School of Business with an emphasis in Finance. She is Series 7, 66, 31 and CA insurance licensed 0F0371.
A Colorado native, she's lived in San Diego, CA with her husband, Mike and their two children, Michael and Fiona for the past 14 years. Outside of the office she can be found embracing the outdoors with her family.
6037 La Flecha PO Box 415
Rancho Santa Fe, CA 92067
(p) 858-613-7101
(f) 858-756-7382
Morgan Stanley Smith Barney LLC, Member SIPC
About Anna Thomas
Anna Thomas
Portfolio Associate
Anna started in the financial industry in 1989. She joined Dean Witter in 1997 which later merged with Morgan Stanley. Anna plays an integral role coordinating the group's day-to-day activities. She is in charge of servicing requests, facilitating operations and business management, all with the aim of increasing client service quality. A member of the Pangaea Group at Morgan Stanley since 2011, Anna holds her Series 7 and 66 securities registration and her State of California Insurance Licenses. Anna enjoys yoga, crafting and gardening. Anna and her husband Ron live in Rancho Bernardo, with their daughter and granddaughter.
Portfolio Associate
Anna started in the financial industry in 1989. She joined Dean Witter in 1997 which later merged with Morgan Stanley. Anna plays an integral role coordinating the group's day-to-day activities. She is in charge of servicing requests, facilitating operations and business management, all with the aim of increasing client service quality. A member of the Pangaea Group at Morgan Stanley since 2011, Anna holds her Series 7 and 66 securities registration and her State of California Insurance Licenses. Anna enjoys yoga, crafting and gardening. Anna and her husband Ron live in Rancho Bernardo, with their daughter and granddaughter.
Contact Michael Parziale
Contact Daniel Morilak
Wealth Management
Global Investment Office
Portfolio Insights
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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Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
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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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
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 Pangaea Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan 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
8Alternative 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.
9Products 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan 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
8Alternative 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.
9Products 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)