Executive Director, Financial Advisor, Senior Portfolio Management Director, Senior Investment Management Consultant, Lending Specialist
Phone:
(916) 567-2069(916) 567-2069
Industry Award WinnerOur Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
Whether you’re building a business, planning for retirement or setting your bucket-list goals, you need a Financial Advisor on your side.
Our wealth management team takes time to learn what’s most important to you. We then work with you to create a comprehensive wealth strategy. From there, we can suggest realistic financial solutions to help you meet your goals.
As your wealth management team, we’ll walk with you through the various stages of life. If your financial plans change, or the market shifts, we’ll help adjust your accounts. Our aim: to keep you on course toward your most important life goals.
Our wealth management team takes time to learn what’s most important to you. We then work with you to create a comprehensive wealth strategy. From there, we can suggest realistic financial solutions to help you meet your goals.
As your wealth management team, we’ll walk with you through the various stages of life. If your financial plans change, or the market shifts, we’ll help adjust your accounts. Our aim: to keep you on course toward your most important life goals.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Planning For Your Family's Needs
Philanthropic Planning
Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives however, can be challenging when there are so many worthy causes and so many unmet needs.
Trust and Estate Planning
With you every step of the way, I analyze your tax and estate structures so that their tax characteristics are accurately incorporated in the asset allocation analysis performed for the client.
Intangible Asset Management
Intangible assets are becoming increasingly important for individuals and companies to grow and generate profits.
Family Governance
Particularly in the case of an ultra high net worth family engaged in a common enterprise, such as running a family business, operating a family office, or simply investing together as a family, it's extremely important to have a sound framework within which to make decisions - in others, a family governance system.
Reserved Living and Giving
A complimentary program designed to help eligible clients enhance their lifestyles. Reserved Living & Giving is a loyalty program that goes beyond traditional wealth management services and provides access to one-of-a-kind experiences, discounts on popular brands, insights from thought leaders and philanthropic guidance.
Wealth Education
Financial Literacy menas being empowered with the knowledge to make smart financial decisions during every stage of life. Discussing family finances is especially important with adult children, no matter their age. It's not always easy, but starting the conversation is a key step in long-term wealth planning.
Fast. Convenient. Secure. Simple
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Goals Based Planning
Worthing with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Zelle
Zelle is a fast, safe, andeasy way to send and receive money with almost ayone you know and trust. All you need is their phone number or email address, allowing you to send and receive money within minutes.
eAuthorization
Authorize financial transactions electronically, quickly and securely through the Morgan Stanley Mobile App or MSO. With eAuthorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a money movement request.
eSign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures on paperwork. There is no registration process for you to begin using E-Sign. All you need is a valid email address and phone number.
eDelivery
E-Delivery allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where documents are stored using encryption.
Valuable Tools and Resources
The Sacramento Wealth Management Group is dedicated to providing our clients and prospects with the latest insights and resources available to be better informed in the current marketplace.
GIC On the Markets
The Global Investment Committee's Lisa Shalett and Dan Skelly provide insightful commentary on the markets while covering key areas to help investors with the financial landscape.
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join 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 trend in the financial marketplace.
What Should I Do With My Money Podcast
This award-winning podcast connects real people with experienced Financial Advisors to address their pressing financial questions, from prenups and legacy planning to home buying and environemntal goals. Hosted by Jamie Roô from Morgan Stanley Wealth Management, the show features guests sharing their personal stories and the significant impact of having expert financial support.
US Policy Pulse
The 2024 general election series consists of monthly reports examining the relationship between financial markets, the economy and electoral outcomes.
2025 Tax Tables
Please view the following attachment to find the 2025 federal tax tables.
2026 Tax Tables
Please view the following attachment to find the 2026 federal tax tables.
Personal Cybersecurity Checklist
Whether it's strengthening your passwords or treating emails from unknown senders with more caution, you can take a number of steps to help reduce the threat of identity theft, online scams, malware, fraud and more.
Cybersecurity for Seniors
Senior citizens are regularly targeted by cyber criminals. Learn how to help protect your elderly loved ones.
Cybersecurity for College Students
College students can be prime targets for cybercriminals. Learn how you can protect yourself.
Location
400 Capitol Mall
Suite 1900
Sacramento, CA 95814
US
Direct:
(916) 567-2022(916) 567-2022
Meet The Sacramento Wealth Management Group
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Director, Portfolio Management Director, Workplace Advisor - Equity Compensation
Phone:
(916) 567-2016(916) 567-2016
Phone:
(916) 567-2025(916) 567-2025
Cody Riecks
Financial Advisor
Phone:
(916) 567-2049(916) 567-2049
Kathy Andrews
Portfolio Associate
Phone:
(916) 567-2026(916) 567-2026
Kelley Grimes
Portfolio Associate
Phone:
(916) 567-2017(916) 567-2017
Elizabeth Chavez
Vice President, Business Development Associate
Phone:
(916) 567-2090(916) 567-2090
About Peter J Scheid
Pete Scheid serves generations of families as well as companies and institutional endowments throughout the state. Combining insight with experience, Pete provides comprehensive and sophisticated financial advice to help address clients’ specific objectives.
For over 30 years as a financial advisor, Pete’s ability to customize strategies and to personalize client service has been the cornerstone of his practice. Pete’s areas of focus include allocating clients’ assets, supporting clients in the development of their investment policy statements, and overseeing the selection of institutional money managers.
Pete earned his bachelor’s degree in business administration with a minor in economics from St. Mary’s College in Moraga, Calif. Born and raised in Sacramento, his extensive community involvement includes serving as president of school advisory councils at the grade school and high school levels, serving on boards, and advising on strategic initiatives for non-profit organizations. He’s raised three daughters and enjoys swimming, cycling, golf, and gardening.
For over 30 years as a financial advisor, Pete’s ability to customize strategies and to personalize client service has been the cornerstone of his practice. Pete’s areas of focus include allocating clients’ assets, supporting clients in the development of their investment policy statements, and overseeing the selection of institutional money managers.
Pete earned his bachelor’s degree in business administration with a minor in economics from St. Mary’s College in Moraga, Calif. Born and raised in Sacramento, his extensive community involvement includes serving as president of school advisory councils at the grade school and high school levels, serving on boards, and advising on strategic initiatives for non-profit organizations. He’s raised three daughters and enjoys swimming, cycling, golf, and gardening.
Securities Agent: CA, VA, NM, FL, OH, NC, MO, GA, AL, VT, MA, IA, AZ, SC, NY, MT, ID, DE, UT, TN, NJ, DC, WA, MN, NV, CO, WY, MI, IL, HI, WI, TX, OR; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282964
NMLS#: 1282964
About Dexter A Parulan
Dexter Parulan is a Certified Financial Planner (CFP®) professional and Senior Vice President at Morgan Stanley where he serves as a Family Wealth Director and Wealth Advisor. With over 25 years of experience helping families build, manage, and preserve their wealth, Dexter provides thoughtful strategies designed to support his clients’ most important life goals. His approach is grounded in long term relationships, disciplined financial planning and a deep commitment to continuing education.
Born and raised in the Philippines where he spent the first 19 years of his life. He followed his heart and came to America in 1992 and later married his high school sweetheart, Theresa. They have been blessed with two wonderful children, Hannah, and Jacob.
As an immigrant to this country, his journey – marked by hard work, resilience, and a strong sense of purpose – deeply influences the way he serves his clients today.
While working full time, he obtained a BA degree in Management from St. Mary’s College of CA. Outside of work he enjoys playing tennis and golf.
Born and raised in the Philippines where he spent the first 19 years of his life. He followed his heart and came to America in 1992 and later married his high school sweetheart, Theresa. They have been blessed with two wonderful children, Hannah, and Jacob.
As an immigrant to this country, his journey – marked by hard work, resilience, and a strong sense of purpose – deeply influences the way he serves his clients today.
While working full time, he obtained a BA degree in Management from St. Mary’s College of CA. Outside of work he enjoys playing tennis and golf.
Securities Agent: OH, NM, IL, FL, WY, NJ, NC, MI, WA, SC, NV, CO, AZ, AL, MO, DE, VA, NY, HI, ID, CT, CA, WI, MD, DC, MT, IA, TN, MA, GA, UT, OR, MN, VT, TX; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 0C36302
CA Insurance License #: 0C36302
About Timothy F McDonald
As a dedicated financial advisor, Tim collaborates closely with clients to define and pursue their financial goals. Leveraging a comprehensive suite of resources, he tailors investment strategies that align with each client’s unique aspirations. By working together, they focus on both preserving and growing his clients' wealth. Clients benefit from access to seasoned investment professionals, a premier trading and execution platform, and a diverse spectrum of investment options.
Securities Agent: TN, DC, WA, VA, OH, MT, MD, IA, FL, SC, NJ, MO, AZ, NV, OR, NM, NC, MI, CA, WY, UT, MA, DE, CO, VT, NY, IL, GA, HI, AL, WI, TX, MN, ID; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1539468
NMLS#: 1539468
About Cody Riecks
Cody Riecks was born and raised in Auburn, CA just outside of Sacramento. He comes from a family that runs a small business in the Auburn area. From an early age, his parents taught him and his siblings about how money works, and instilled a work ethic in them by showing them what hard work looks like. This has led Cody to many great opportunities, from being able to play college golf and earn his BS in Business Marketing from California State University, Fresno, to now working for Morgan Stanley. He has always been enthusiastic about helping others visualize and achieve their full potential. The reason he chose Morgan Stanley is the firm genuinely believes in Putting Their Clients First, Doing the Right Thing, Leading with Exceptional Ideas and Giving Back. This is his commitment to not only the firm, but to live by these core values and deliver them daily to his clients.
Securities Agent: WI, NM, MN, DE, MD, MA, DC, CO, AZ, IA, FL, OR, OH, MI, AL, VA, NJ, CT, TN, NC, LA, WA, UT, NY, IL, ID, TX, SC, CA, MT, WY, VT, MO, HI, GA, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 2621466
CA Insurance License #: 4468166
NMLS#: 2621466
CA Insurance License #: 4468166
About Kathy Andrews
Kathy Andrews is a Senior Registered Client Service Associate and has been with Morgan Stanley for over 20 years. She holds both Series 7 and 66 registrations and provides support for client services and client operations.
Kathy was born and raised in California and graduated with a B.S. in Finance at San Diego State University. In her spare time, she enjoys gardening and spending time with family and friends.
Kathy was born and raised in California and graduated with a B.S. in Finance at San Diego State University. In her spare time, she enjoys gardening and spending time with family and friends.
About Kelley Grimes
As a key member on our team, Kelley Grimes, is responsible for building trust and long-lasting relationships with our clients. She provides exceptional service and support to our clients and team daily. She began her career in financial services in 1998 at Smith Barney, now Morgan Stanley. Kelley is Series 7, 63, & 65 registered and has her California Insurance License.
Kelley was born and raised in Walnut Creek, CA. She moved to Sacramento in the early 90’s to attend CSU, Sacramento and graduated in 1995 with a BA in Liberal Studies. In her spare time, she enjoys spending time with family and friends, camping, and relaxing by her pool.
Kelley was born and raised in Walnut Creek, CA. She moved to Sacramento in the early 90’s to attend CSU, Sacramento and graduated in 1995 with a BA in Liberal Studies. In her spare time, she enjoys spending time with family and friends, camping, and relaxing by her pool.
About Elizabeth Chavez
Liz grew up in the Sacramento Area and is a graduate of UC Davis. She started her journey in the securities industry 20 years ago as a registered broker with E*Trade Financial. She relocated with E*Trade a couple times, taking her to Tampa, Florida and then to Sandy, Utah. Liz eventually found her way to Morgan Stanley, starting with the Utah Central Review Unit in 2012. After spending 10 years in Utah, she moved back to California and joined the Sacramento Market in 2017 as a Risk Officer. Most recently, she joined The Sacramento Wealth Management Group as a Business Development Associate where she oversees the team’s operations. Liz is married and in her spare time, she likes to bake, workout, attend concerts, and spend time with friends and family. She now resides in West Sacramento, CA.
Contact Peter J Scheid
Contact Dexter A Parulan
Contact Timothy F McDonald
Contact Cody Riecks
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2025-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Kevin Cueva
Private Banker
Carlos Cruz
Planning Associate
About Kevin Cueva
Kevin Cueva is a Private Banker serving Morgan Stanley Wealth Management offices in California and Nevada.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kevin began his career in financial services in 2012 and joined Morgan Stanley in 2022. Prior to being promoted to his current role, he served as an Associate Private Banker supporting Wealth Management offices in California and Hawaii. Before joining the firm, Kevin was a Private Client Advisor at JPMorgan Chase.
Kevin received a Bachelor of Arts in Communications at the University of California, Davis. He resides in California with his family. Outside of the office, Kevin enjoys traveling and playing different sports.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kevin began his career in financial services in 2012 and joined Morgan Stanley in 2022. Prior to being promoted to his current role, he served as an Associate Private Banker supporting Wealth Management offices in California and Hawaii. Before joining the firm, Kevin was a Private Client Advisor at JPMorgan Chase.
Kevin received a Bachelor of Arts in Communications at the University of California, Davis. He resides in California with his family. Outside of the office, Kevin enjoys traveling and playing different sports.
NMLS#: 949442
About Carlos Cruz
Carlos Cruz is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Carlos provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Florida International University and received the Financial Planning Specialist® designation from the College for Financial Planning. Carlos is originally from Miami, FL and currently resides in New York.
He earned his undergraduate degree from Florida International University and received the Financial Planning Specialist® designation from the College for Financial Planning. Carlos is originally from Miami, FL and currently resides in New York.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
When 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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
When 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.
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
A Simple Six-Step Retirement Checkup
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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
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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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
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.
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
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Ready to start a conversation? Contact The Sacramento Wealth Management Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Alternative 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Alternative 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
