Michael Roane, CIMA®
Executive Director, Wealth Advisor
Phone:
(949) 809-1236(949) 809-1236
The Saddleback Group at Morgan Stanley
Our Mission Statement
We are a multidimensional wealth management team that advises our clients on how to build upon, protect, and generate cash flow from their wealth while helping them plan for, and guide them through, life's 'moments of truth'.
Our Story
At the Saddleback Group here at Morgan Stanley, we provide goals-based investment management & wealth planning advice to business owners, successful professionals, retirees & their families. We utilize a collaborative approach with our clients and adhere to the following core beliefs that guide everything we do:
• Everything you do should have a specific purpose with a desired result ; your investment & wealth strategies should have the same focus;
• Sustained wealth requires patience and the discipline to follow a goals-based investment strategy that is integrated with a comprehensive wealth plan…no one should ever have to build wealth twice;
• Investment & wealth planning solutions are the result of a customized, risk-adjusted approach – clear evidence that we know our clients & what they want to achieve with their wealth;
• An investment and wealth management process should instill a feeling of organization, clarity, trust, and confidence;
• In a client service model that is based on accessibility, efficiency, and timely follow-up.
Corporate Email: saddleback@morganstanley.com
• Everything you do should have a specific purpose with a desired result ; your investment & wealth strategies should have the same focus;
• Sustained wealth requires patience and the discipline to follow a goals-based investment strategy that is integrated with a comprehensive wealth plan…no one should ever have to build wealth twice;
• Investment & wealth planning solutions are the result of a customized, risk-adjusted approach – clear evidence that we know our clients & what they want to achieve with their wealth;
• An investment and wealth management process should instill a feeling of organization, clarity, trust, and confidence;
• In a client service model that is based on accessibility, efficiency, and timely follow-up.
Corporate Email: saddleback@morganstanley.com
Services Include
- Wealth PlanningFootnote1
- Asset Management
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Cash Management and Lending ProductsFootnote4
- Fixed IncomeFootnote5
- Alternative InvestmentsFootnote6
- 401(k) Rollovers
- Stock Plan ServicesFootnote7
- Corporate Retirement PlansFootnote8
- Business PlanningFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
Here at the Saddleback Group at Morgan Stanley, we are committed to providing first-class service, solutions, and advice so our clients feel confident that the decisions they are making are the best ones for them & their families.
We fully understand & respect the amount of time, effort and skill that our clients put into attaining their wealth. We also fully understand & respect that each of our clients have their own unique set of goals, objectives and risk tolerance. For that reason, we take a collaborative approach to develop an in-depth understanding of what is truly important to them & their families, and what they want to achieve with their wealth.
We then combine this knowledge with our experience and the full scope of the firm's resources to provide a comprehensive investment and wealth plan and, with ongoing communication, a steady flow of creative ideas and timely solutions over time. It is our ultimate goal to provide our clients clarity and confidence that they can achieve financial success during their lifetimes, as well as efficiently pass their wealth and principles onto future generations.
Our Process
- Learn What's Important to You
- Create A Plan That's Aligned With Your Goals
- Put Your Plan Into Action
- Measure Your Progress Both Financially and Personally
MORGAN STANLEY AT WORK
Morgan Stanley at Work is a suite of workplace financial strategies that help employees achieve their life goals. Our comprehensive offering spans Equity, Financial Wellness and Retirement solutions, plus Financial Empowerment, so your workforce can realize the full potential of their benefits.
Allow us to help you customize these strategies to your organization and help your employees achieve their financial goals through thoughtful guidance, insightful education and smart technology.
Visit www.morganstanley.com/atwork
Allow us to help you customize these strategies to your organization and help your employees achieve their financial goals through thoughtful guidance, insightful education and smart technology.
Visit www.morganstanley.com/atwork
Financial Wellness :
Our Financial Wellness offering takes a multi-channel approach, leveraging cutting-edge technology and personal guidance, to encourage employees to take control and get the support they need, wherever they are on their financial journey. By improving your employees’ financial wellness, you can benefit from a more productive workforce.
Click Here to Learn More
Retirement Solutions:
For your employees, retirement is more than a date in the future – it’s a milestone that takes time, hard work and the right tools to achieve. Morgan Stanley at Work provides plan sponsors with a comprehensive suite of strategies and investment experience that helps your employees maximize their potential to reach their long-term goals.
Click Here to Learn More
Equity Solutions (Equity Stock Plans) :
With our innovative platforms, Equity Edge Online® and Shareworks, we provide cutting-edge technology and end-to-end equity management strategies to help deliver what your business needs: flexibility and choice. Our scalable strategies help ease local and global implementation while streamlining equity administration with powerful and configurable technology that adapts as your company evolves.
Click Here to Learn MoreInspire Employees To Take Hold Of Their Financial Lives
Financial Wellness is an important part of our core values. As a team, we empower our clients' employees at every stage of their career to help achieve their financial goals through a strong foundation of education, advice, and wealth management strategies. The goal of our efforts is to make finances a source of wellness, not a source of stress.
Our Process
Learning your company's needs, unique benefits, and services is the first step towards designing a Financial Wellness program. Once launched, our process encourages participants to engage in financial education and financial coaching to better understand the holistic picture of their wealth. Our advisory practice has seen success due to our commitment to excellence, serving the client first, and integrity.
Why Us?
Our tailored education and strategies allows for individuals to match their questions with learning opportunities. Customization is the key piece of our approach. We understand and generate detailed insights about your employees, as well as diving into company-specific benefits to increase awareness and boost participation.
Financial Wellness ResourcesBusiness Owners
Here at the Saddleback Group at Morgan Stanley, we believe exit planning IS business planning and that an exit is a process, not an event.
Our mission is to help business owners accelerate the value of their companies while aligning their personal, financial, and business goals so they have the ability and readiness to sell their companies on their terms & timeframe.
We understand that, to most business owners, their business is personal and that their company makes up a substantial amount of their overall wealth. Unfortunately, we have also experienced first-hand that a majority of successful, and attractive, middle-market companies are not transferrable in their existing state due to a lack of readiness and decentralization from their owners.
As Certified Exit Planning Advisors, we work with our business owner clients and their fellow trusted team of advisors to educate and guide them on the Exit Planning Institute’s Value Acceleration Methodology ™. This is a process that first helps business owners identify their business’s existing valuation & state of readiness and then develops a plan to accelerate the business’s value while aligning the business owner’s personal, financial, and business goals.
In addition to helping establish & executing a plan, we also have a full suite of tools & resources available to assist in accelerating growth and enhancing readiness including:
• Capital Financing, liquidity, and business structuring
• Comprehensive Workplace Financial Solutions through Morgan Stanley @ Work (www.morganstanley.com/atwork)
• Educating Business Owners On a Variety of Exit Strategies whether selling or transitioning a business
• Pre-Liquidity Planning for Business Owners & “Wealth Gap” Analysis
Whether you, as a business owner, are looking to sell your business over the next 12 months, 3-5 years, or have no intention to sell in the foreseeable future, our objective is to help educate & guide you on how you can put yourself in a better position to improve & unlock the value in your business so you can monetize your investment for your “next act”.
Our mission is to help business owners accelerate the value of their companies while aligning their personal, financial, and business goals so they have the ability and readiness to sell their companies on their terms & timeframe.
We understand that, to most business owners, their business is personal and that their company makes up a substantial amount of their overall wealth. Unfortunately, we have also experienced first-hand that a majority of successful, and attractive, middle-market companies are not transferrable in their existing state due to a lack of readiness and decentralization from their owners.
As Certified Exit Planning Advisors, we work with our business owner clients and their fellow trusted team of advisors to educate and guide them on the Exit Planning Institute’s Value Acceleration Methodology ™. This is a process that first helps business owners identify their business’s existing valuation & state of readiness and then develops a plan to accelerate the business’s value while aligning the business owner’s personal, financial, and business goals.
In addition to helping establish & executing a plan, we also have a full suite of tools & resources available to assist in accelerating growth and enhancing readiness including:
• Capital Financing, liquidity, and business structuring
• Comprehensive Workplace Financial Solutions through Morgan Stanley @ Work (www.morganstanley.com/atwork)
• Educating Business Owners On a Variety of Exit Strategies whether selling or transitioning a business
• Pre-Liquidity Planning for Business Owners & “Wealth Gap” Analysis
Whether you, as a business owner, are looking to sell your business over the next 12 months, 3-5 years, or have no intention to sell in the foreseeable future, our objective is to help educate & guide you on how you can put yourself in a better position to improve & unlock the value in your business so you can monetize your investment for your “next act”.
Location
1901 Main Street
Ste 700
Irvine, CA 92614
US
Direct:
(949) 809-1218(949) 809-1218
Meet The Saddleback Group
First Vice President, Financial Advisor, Corporate Retirement Director
Phone:
(949) 955-7509(949) 955-7509
Paul Babaran
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(949) 955-7850(949) 955-7850
Phone:
(949) 955-7512(949) 955-7512
Christopher Labelle, CFP®, CEPA®, QPFC
First Vice President, Financial Advisor, Family Wealth Advisor
Phone:
(949) 809-1316(949) 809-1316
Peggy Hutchinson, CRPS®, QPFC
Financial Advisor, CHARTERED RETIREMENT PLANS SPECIALIST
Phone:
(949) 955-7561(949) 955-7561
Brandon Sovik, CFP®
Financial Advisor, Financial Planning Specialist
Phone:
(949) 809-1342(949) 809-1342
Susan DeVore
Portfolio Associate
Phone:
(949) 809-1218(949) 809-1218
Darlene Piraino
Registered Client Service Associate
Phone:
(949) 955-7537(949) 955-7537
About Michael Roane
Mike provides investment & wealth management services to successful professionals, retirees, and their families. He started his career with Dean Witter in 1971 and has been with Morgan Stanley since their merger in 1997. Mike is a Certified Investment Management Analyst, Certified Wealth Strategist and has been named on numerous occasions to Morgan Stanley Wealth Management’s Chairman’s & President’s Clubs as well as named to the Financial Times’ “FT400 Top Financial Advisors” list in 2014 and Forbes Best in State Wealth Advisors in 2018, 2020, 2021, 2022. Mike is involved with several professional & community organizations including being a member of the Investment Management Consultants Association, a founding member of the National Association of Stock Plan Professionals’ Orange County Chapter, the Santa Ana Kiwanis Club, and the UCLA Alumni Club. Mike has a BA in Economics from UCLA, a Master’s in Business Finance from San Diego State University, and holds his Series 7, 66, & 31 securities licenses, Life & Health insurance license, and NMLS license.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2014) Data compiled by Financial Times based on time period from 9/30/12 - 9/30/13.
2018-2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2014) Data compiled by Financial Times based on time period from 9/30/12 - 9/30/13.
2018-2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: CA, NY, MO, HI, UT, NM, NJ, MA, AK, VA, TX, TN, PA, MD, OK, LA, AL, OR, KY, IN, ID, CT, PR, OH, ME, IL, GA, FL, CO, AR, WI, SD, SC, NC, MT, AZ, NH, MI, KS, WY, MN, IA, WA, NV, MS; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1275761
CA Insurance License #: 0A51742
NMLS#: 1275761
CA Insurance License #: 0A51742
About Randall J Trost
Randy is a Corporate Retirement Director, and Senior Investment Management Consultant. As a director, Randy is designated to work with clients in the areas of asset management, corporate retirement and executive benefit services. He began his career in the securities industry in 1983. After joining Morgan Stanley in 1989, he has worked with a variety of public and private corporations and business owners.
As well as being a CFA charter holder, the Investment Management Consultants Association (IMCA) certified him as an Investment Management Analyst (CIMA). He earned the CIMA certification following course work and examination at the Wharton School of Business at the University of Pennsylvania. Specific to retirement plans, Randy earned the Chartered Retirement Planning Specialist designation (CRPS) from the College for Financial Planning, Qualified Plan Financial Consultant (QPFC) from the National Association of Plan Advisors (NAPA) and the Accredited Investment Fiduciary (AIF) designation from the Center for Fiduciary Studies. Randy belongs to National Association of Pension Plan Advisors, Western Pension Benefits Council and the Chartered Financial Analyst Society of Orange County.
Randy resides with his family in Newport Beach, CA. He enjoys traveling and a variety of outdoor sports and activities.
As well as being a CFA charter holder, the Investment Management Consultants Association (IMCA) certified him as an Investment Management Analyst (CIMA). He earned the CIMA certification following course work and examination at the Wharton School of Business at the University of Pennsylvania. Specific to retirement plans, Randy earned the Chartered Retirement Planning Specialist designation (CRPS) from the College for Financial Planning, Qualified Plan Financial Consultant (QPFC) from the National Association of Plan Advisors (NAPA) and the Accredited Investment Fiduciary (AIF) designation from the Center for Fiduciary Studies. Randy belongs to National Association of Pension Plan Advisors, Western Pension Benefits Council and the Chartered Financial Analyst Society of Orange County.
Randy resides with his family in Newport Beach, CA. He enjoys traveling and a variety of outdoor sports and activities.
Securities Agent: CO, ID, CA, GA, FL, AR, AK, PA, CT, AZ, OK, MA, WA, SC, NH, MI, LA, UT, OR, NY, NV, NM, IN, IL, IA, TX, NJ, MO, HI, AL, WI, PR, MN, ME, KS, WY, TN, KY, VA, SD, NC, MT, OH; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1408728
CA Insurance License #: 0A03571
NMLS#: 1408728
CA Insurance License #: 0A03571
About Paul Babaran
Paul provides investment & wealth management services to a select group of successful professionals, retirees, and their families. Prior to rejoining Morgan Stanley in 2018, Paul was a Financial Advisor at Wells Fargo Advisors in Downtown Los Angeles. There he assisted successful families, business owners, and high net worth individuals in creating tailored investment plans. Paul launched his career at UBS where he developed experience in retirement planning and later on worked at Morgan Stanley for two years as the South Coast Complex Financial Planning Specialist where he worked on over 800 customized financial plans for high net worth individuals. Paul earned a BA in Finance from California State University Fullerton and holds his Series 7& 66 securities licenses, Life & Health insurance license, and NMLS license.
Securities Agent: CA, OR, MI, ME, LA, TX, OH, NM, NC, MT, MA, IL, CT, AR, UT, OK, KY, WI, PR, NH, IN, HI, GA, AZ, MO, MN, IA, FL, AK, WY, WA, NY, MS, KS, ID, AL, PA, MD, DE, VA, SD, NJ, CO, TN, NV, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1820861
CA Insurance License #: 0M47053
NMLS#: 1820861
CA Insurance License #: 0M47053
About Bernd F. Klawunder
Bernd F. Klawunder is a Vice President of Wealth Management at the Morgan Stanley office in Irvine. Bernd is a holder of the CERTIFIED FINANCIAL PLANNING (R) designation. This prestigious designation is awarded to those individuals who successfully complete an advanced financial planning curriculum and successfully pass the required examinations. The program covers a wide range of topics including retirement planning, education planning, income and estate tax planning and investment planning. Bernd earned his undergraduate degree in Economics from the University of California, Irvine. Bernd has over 25 years of experience in the securities industry. He began helping people plan for their financial future in 1992 at Great Western Financial Services. From 1993 through 1994, he worked for Prudential Securities and has been with Morgan Stanley (and predecessors) since 1995.
Bernd is married to his lovely wife Nina. Bernd and Nina reside in Coto De Caza, California. They have two adult children who played women's soccer for and graduated from the University of Notre Dame. When Bernd isn't in the office planning for his clients' financial future, you will him reading, walking on the beach, mountain bike riding, exercising and spending time with his family.
Bernd is married to his lovely wife Nina. Bernd and Nina reside in Coto De Caza, California. They have two adult children who played women's soccer for and graduated from the University of Notre Dame. When Bernd isn't in the office planning for his clients' financial future, you will him reading, walking on the beach, mountain bike riding, exercising and spending time with his family.
Securities Agent: SD, NC, MN, WA, TX, KS, GA, AZ, NY, NM, MT, MI, VA, PA, KY, ID, TN, SC, OR, NV, MO, IN, CT, UT, ME, IA, AL, WI, OK, NJ, CO, AK, WY, MA, IL, FL, CA, AR, PR, OH, NH, LA, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1278978
CA Insurance License #: CA Insurance Lic. #0B09466
NMLS#: 1278978
CA Insurance License #: CA Insurance Lic. #0B09466
About Christopher Labelle
Chris provides investment and wealth management services to successful business owners, professionals, retirees and their families. Chris joined Morgan Stanley in 2014 and has been in the financial services and risk management industries since 2004. As a CERTIFIED FINANCIAL PLANNER™ professional, Chris is proficient in the areas of investment management, insurance and risk management, employee benefits, income tax, retirement, and estate planning strategies. As a CERTIFIED EXIT PLANNING ADVISOR, Chris educates business owners on the Exit Planning Institute’s Value Acceleration Methodology™ to identify their existing Wealth Gap and then, with the help of their other advisors, assists them to execute a plan to maximize the value of their business. Chris is also an accredited Family Wealth Advisor and has demonstrated the ability to work closely with families to understand their unique dynamics, values and priorities so that he can deliver advice and solutions that take into account the family’s full financial picture and circumstances. Chris volunteers with various community organizations and was formerly a member of the Insurance Industry Charitable Foundation’s Western Division Executive and Associate Boards. Chris earned a B.A. in Finance from Indiana University and holds his Series 7, 66, and 31 securities licenses, Life and Health insurance license, and NMLS license.
Securities Agent: WA, ID, WI, OR, NY, MO, MI, ME, HI, AR, UT, TN, PA, NH, IN, AL, NM, NC, KS, GA, CO, CA, VA, OH, IL, CT, AZ, AK, SC, OK, NV, NJ, MN, IA, FL, TX, LA, WY, SD, PR, MT, MS, MA, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1393612
CA Insurance License #: 0J14073
NMLS#: 1393612
CA Insurance License #: 0J14073
About Peggy Hutchinson
Peggy is a Financial Advisor and Chartered Retirement Plan Specialist, CRPS® , at Morgan Stanley. She began her career in 1982 with a large national brokerage firm where she spent seven years in various aspects of operations, administration and marketing. She currently utilizes her years of experience in the securities industry to assist corporate clients manage their 401(k) and other related benefit programs. In the process, she has become recognized by both clients and recordkeepers for her innovations in participant education.
Peggy is a member of the American Society of Pension Professionals and Actuaries (ASPPA), and the National Association of Plan Advisors (NAPA). In addition, she earned the Qualified Plan Financial Consultant (QPRC) from NAPA. Peggy is a volunteer for several charities located in Orange County, Second Harvest Food Bank, ALS-Augie’s Quest and the Boys and Girls Clubs. She is also a current member on the Board for the Boys and Girls Club of the Central Orange Coast.
Peggy resides with her family in Newport Beach, CA. She enjoys travel, golf, and “hanging out” with her grandchildren.
Peggy is a member of the American Society of Pension Professionals and Actuaries (ASPPA), and the National Association of Plan Advisors (NAPA). In addition, she earned the Qualified Plan Financial Consultant (QPRC) from NAPA. Peggy is a volunteer for several charities located in Orange County, Second Harvest Food Bank, ALS-Augie’s Quest and the Boys and Girls Clubs. She is also a current member on the Board for the Boys and Girls Club of the Central Orange Coast.
Peggy resides with her family in Newport Beach, CA. She enjoys travel, golf, and “hanging out” with her grandchildren.
Securities Agent: SC, NH, KS, GA, AR, WY, PR, MT, AL, SD, NM, IA, CT, OR, NV, ID, AK, NC, WI, TN, MO, PA, MA, LA, WA, UT, OH, MN, MI, ME, CO, OK, NY, NJ, IN, HI, VA, KY, IL, FL, CA, AZ, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1406605
CA Insurance License #: CA Insurance Lic #0A27910
NMLS#: 1406605
CA Insurance License #: CA Insurance Lic #0A27910
About Brandon Sovik
Brandon provides investment and wealth management services to successful business owners, executives, real estate professionals, and their families. Prior to joining Morgan Stanley in 2021, Brandon launched his career as a Financial Advisor at UBS in Weehawken, New Jersey. There, he worked with business executives in building tailored financial plans. He moved back to California in 2021 to join Morgan Stanley as a Registered Associate, where he continued building financial plans while overseeing the business operations of 4 teams. Having worked on over 500 financial plans, Brandon’s experience is in retirement, education, and estate planning strategies. Brandon joined the Saddleback Group as a Financial Advisor in 2023.
Brandon is from Walnut Creek, CA and earned his BA in Business Management, with a minor in Project Management, from California State University, Chico. With his spare time, he produces music, plays tennis, and is a football fanatic. Brandon holds his Series 7 & 66 securities licenses, Life and Health insurance licenses and NMLS license.
Brandon is from Walnut Creek, CA and earned his BA in Business Management, with a minor in Project Management, from California State University, Chico. With his spare time, he produces music, plays tennis, and is a football fanatic. Brandon holds his Series 7 & 66 securities licenses, Life and Health insurance licenses and NMLS license.
Securities Agent: NV, AZ, KS, OH, NJ, MN, IA, CA, AK, WY, TX, OK, NY, ME, MD, LA, IN, CT, PA, MO, AR, SD, NM, NC, ID, AL, WA, TN, MT, MS, MI, HI, WI, SC, NH, MA, KY, DC, CO, VA, UT, DE, RI, OR, IL, FL, PR, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 2523151
CA Insurance License #: 4326760
NMLS#: 2523151
CA Insurance License #: 4326760
About Susan DeVore
Susan is responsible for oversight of the daily operations of client accounts & relationships. Susan started her career with Dean Witter in 1989 and has been with Morgan Stanley since their merger in 1997. Susan excels in complex operations such as trust & estate administration, private placement & Reg D filings, handling of restricted securities (Rule 144) & stock option exercise programs, and cash management & lending services. She has a BA from Loyola Marymount University and holds her Series 7, 66 & 31 securities licenses.
About Darlene Piraino
Drawing on more than 18 years of industry experience, Darlene Piraino provides a wide range of specialized services for the clients of Saddleback Group. Darlene is responsible for critical client service activity. She oversees the teams administrative and operational matters as it relates to Private Wealth and institutional clients. She enjoys working closely with clients and strives to always provide an excellent service experience. Darlene has a MBA from Woodbury University and holds her Series 7 and 66 securities licenses.
Contact Michael Roane
Contact Randall J Trost
Contact Paul Babaran
Contact Bernd F. Klawunder
Contact Christopher Labelle
Contact Peggy Hutchinson
Contact Brandon Sovik
Wealth Management
From Our Team
Tax-Smart Strategies for Your Retirement
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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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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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
State of the Workplace Study 2023
Article Image
Ready to start a conversation? Contact The Saddleback Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan 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.
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.
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.
3Morgan 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.
4Morgan 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
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Alternative 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.
7Morgan 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.
8When 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.
9Morgan 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.
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
1Morgan 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.
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.
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.
3Morgan 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.
4Morgan 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
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Alternative 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.
7Morgan 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.
8When 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.
9Morgan 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.
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)
