Senior Vice President, Financial Advisor, Portfolio Management Director, International Client Advisor
Phone:
(650) 926-7683(650) 926-7683
The Solaria Group at Morgan Stanley
Direct:
(650) 926-7683(650) 926-7683
Direct:
(480) 345-4756(480) 345-4756
Direct:
(212) 603-6201(212) 603-6201
Our Mission Statement
Wealth management without borders and mindful to our planet
Our Story and Services
The Solaria Group at Morgan Stanley is a global team offering wealth management that has no borders and is mindful to our planet.
With offices in Menlo Park, CA, Scottsdale, AZ and New York, NY we offer our collective wisdom to serve a global clientele of highly accomplished entrepreneurs, executives, business owners and multi-generational families.
We understand that with substantial wealth comes unique challenges and significant complexity. We help simplify and bring balance to your financial life so that you may pursue the aspirations you have for your family, your business, your community and the world.
While our capabilities are sophisticated our mission is simple: to help you live the life you want to live.
We begin by listening to you to understand your vision of a fulfilling life. Once we understand what matters to you -- your hopes, dreams and values -- we develop and implement a roadmap to help achieve your goals and fulfill your legacy.
Our holistic approach includes:
- Investment strategy – as designated Portfolio Managers we can build and monitor custom discretionary portfolios. We tap into the vast resources of Morgan Stanley for a wide range of investment strategies including our Institute for Sustainable Investing as well as our Alternative Investments platform.
- Comprehensive financial planning – retirement roadmaps, lending solutions, business succession, pre-liquidity strategies.
- Family governance strategies - legacy wealth transfer, estate planning, philanthropic planning, family meetings to enable next generation involvement and value-based discussions.
We value our relationship with your trusted advisors including attorneys, accountants and other professionals to help ensure that we are all working in concert to help you achieve your objectives.
At the Solaria Group we believe in making our world a better place by:
- Offering you excellent service so that you are happy and in turn can have a positive impact in your circle
- Offering investment strategies that align with your values. We provide impact investing options ranging from addressing climate change to empowering women.
- Helping you fulfill your philanthropic objectives through charitable giving strategies or establishing a foundation
- Giving back to our communities -- we volunteer and give back to organizations that are dear to our heart and are making a positive impact in our world.
'We make a living out of what we get. We make a life out of what we give" - Winston Churchill
Services Include
- Professional Portfolio ManagementFootnote1
- Sustainable InvestingFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Business Succession PlanningFootnote5
- Philanthropic ManagementFootnote6
- Cash Management and Lending ProductsFootnote7
- Foreign ExchangeFootnote8
- Alternative InvestmentsFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Commitment
We believe in building professional relationships based on uncompromising integrity, trust and personalized service.
To listen to you
To hear your concerns, requests, suggestions in order that we may understand you and serve you better
To offer you a holistic and mindful approach to wealth management
To take into consideration your vision of a fulfilling life as well as the elements that are most important to you. We believe that intentionality is key in setting up a strong foundation and roadmap.
To provide you objective and free of conflict advice
We cannot promise that the advice will always work out perfectly but we promise that our interests will be aligned with yours
To do the right thing for you
To maintain the highest ethical standards, avoiding any conflicts of interest and keeping your overall picture in mind. Our reputation is our business
To perform with excellence
We strive to consistently achieve high standards of excellence for our clients, seeking out continuous learning and improvement in our processes. To be diligent and unrelenting in our drive for information, research, capital markets as it pertains to investment strategies that we make on your behalf
To be transparent about fees
To let you know how we are compensated for the work that we do for you. At any time you can ask about fees and we will explain them clearly and as frequently as you desire. We earn our fees and never shy away from discussing them
To communicate with you
To concisely and clearly communicate with you, working to simplify the complexities of the investment environment. We will return your calls in a timely manner. We value open, honest, two-way communication
To prioritize your security
To protect the safety of your assets and personal data through our state-of-the-art cybersecurity systems and rigid safety protocols
To be adaptive
To be able to change current practices or strategies to meet your evolving circumstances and help keep you on track to meet your goals
International Wealth Management
Morgan Stanley is one of the few truly global institutions with the scale, scope and commitment to serve the international investor. We serve among the world’s most capitalized institutions, and stand as one of the largest wealth management firms in the world.
With offices throughout the United States, The Solaria Group proudly serves clients from all over the world.
Combining our experience with the resources and intellectual capital of Morgan Stanley, we help clients navigate the complexities of cross-border planning and investing. By understanding the vision and objectives of our clients, we deliver mindful financial planning and targeted solutions. We work in concert with our client’s CPAs and Trust attorneys to execute on the overall plan.
As International Client Advisors and European Economic Area Specialists we are part of a select group of Morgan Stanley Financial Advisors authorized to work with clients living in every jurisdiction where the firm operates. Additionally, we focus on helping American clients move overseas, particularly to Europe and Latin America.
We have deep knowledge of the markets we serve and speak English, Spanish, Portuguese and French.
Should you decide to work with us, we will work hard on your behalf to help you meet your goals and leave a legacy of prosperity for generations to come.
With offices throughout the United States, The Solaria Group proudly serves clients from all over the world.
Combining our experience with the resources and intellectual capital of Morgan Stanley, we help clients navigate the complexities of cross-border planning and investing. By understanding the vision and objectives of our clients, we deliver mindful financial planning and targeted solutions. We work in concert with our client’s CPAs and Trust attorneys to execute on the overall plan.
As International Client Advisors and European Economic Area Specialists we are part of a select group of Morgan Stanley Financial Advisors authorized to work with clients living in every jurisdiction where the firm operates. Additionally, we focus on helping American clients move overseas, particularly to Europe and Latin America.
We have deep knowledge of the markets we serve and speak English, Spanish, Portuguese and French.
Should you decide to work with us, we will work hard on your behalf to help you meet your goals and leave a legacy of prosperity for generations to come.
National Strategic Partner Program
As part of the National Strategic Partner Program, we work with Morgan Stanley Wealth Advisors and Financial Advisors throughout the United States to service clients living or moving overseas. We serve as an extension of their team.
- His storied career journey
- Key strategies that have contributed to his success in golf, including this summer's FedEx St. Jude Championship playoff win
- Upcoming Ryder Cup at Bethpage Black where he will be playing for Team Europe
- The mental and physical preparation required for major tournaments
- The potential impact of elevated federal debt and deficits and structural imbalances in wealth/income inequality on economic growth and inflation
- Key sector trends contributing to the Great Rebalancing, including tech and energy
- The rising importance of an actively managed, diversified portfolio with exposure to global and value-oriented securities
- What is a humanoid robot and why is embodied AI rapidly advancing
- How the intersection of AI and the physical economy will change the way the world does business
- Which sectors and industries stand to benefit from this investment trend
- What this transformation means for investors and key portfolio considerations
July 2025 - Solaria's Harvard Business School Reunion
Solaria recently attended her business school reunion at Harvard Business School, returning to the place where she and her husband Alex met. The event was a wonderful opportunity to reconnect, reflect on life, and celebrate lasting friendships and community
July 2025 - The Solaria Group's Trip to New York
During our recent visit to New York, The Solaria Group had the opportunity to connect with clients and meet with leadership across the firm. These conversations reinforced the importance of collaboration and the value of bringing together the full range of expertise Morgan Stanley has to offer.
June 2025 - Ross's Trip to Switzerland
Ross recently traveled to Switzerland and shared some breathtaking moments from his trip—from stunning alpine views and snowy peaks at the Top of Europe, where he was even able to see across Switzerland, Italy, France, and Germany from the mountaintop, to charming lakeside towns, fresh mountain air, and even a giant pretzel! Travel is all about new perspectives, and these snapshots capture both the beauty of Switzerland and the joy of experiencing something new
May 2025 - Solaria's Trip to Paris
Solaria recently visited Paris with her husband Alex and her son Maximus. The trip blended vacation with client meetings and was full of unforgettable moments. Maximus had a French tutor for 2.5 hours a day and quickly picked up key phrases like Bonjour, S'il vous plaît, and Merci beaucoup! They explored the Picasso Museum, the Museum of Natural History, the Science Museum and enjoyed delicious French cuisine. A special highlight? Celebrating Solaria's birthday at the stunning Palace of Versailles.
April 2025 - Ross's Trip to London and Paris
Ross recently returned from an unforgettable trip to Paris and London, where he explored iconic landmarks like Big Ben, Westminster Abbey, the Louvre, and the Palace of Versailles. From taking in historic architecture to enjoying a traditional English breakfast, it was a journey filled with culture, history, and incredible sights.
April 2025 - Maximus Turned 2!
Solaria and Alex recently celebrated their son Maximus's 2nd birthday, marking a special milestone. It was a joyful occasion honoring "Maximus the Great" and all the wonder he brings to their lives. Here's to another year full of laughter and discovery!
March 2025 - The Solaria Group at The Summer Search Gala
The Solaria Group at Morgan Stanley had the opportunity to be a sponsor for Summer Search and attended their annual fundraising celebration, honoring 35 years of service. The organization is dedicated to empowering young people through mentorship, experiential learning, and long-term support. Summer Search is a national nonprofit that helps students from low-income backgrounds develop the confidence, resilience, and skills needed to succeed in school, work, and life. This sponsorship reflects one of Morgan Stanley's core values—giving back—by investing in the next generation and supporting opportunities that create a lasting impact.
February 2025 - Solaria's 2025 Forbes Best-in-State Top Women Wealth Advisor Recognition
Exciting news from The Solaria Group! Solaria Perez-Stepanov has been named to the Forbes 2025 Best-in-State Top Women Wealth Advisors ranking.
Congratulations Solaria! You continue to redefine industry standards for success.
Source: Forbes (Awarded Feb 2025). Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24.https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025, https://www.morganstanley.com/disclosures/awards-disclosure.html
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Beyond the Fairway: Insights from Justin Rose
Join Morgan Stanley for an exclusive virtual fireside chat featuring Vince Lumia, Head of Wealth Management Client Segments, and Justin Rose , renowned professional golfer, Olympic gold medalist and Morgan Stanley Brand Ambassador. Justin will provide exclusive insights into:
American Exceptionalism: The Great Rebalancing
In case you missed it, we invite you to watch the replay from our thought-provoking American Exceptionalism: The Great Rebalancing event with Lisa Shalett and Michael Mauboussin, recorded on Monday, September 8. In this conversation, Lisa and Michael discussed:
Exclusive Event: The Impact of AI Robots on the Economy
Join Wealth Management's Global Head of Thematic & Macro Investing Ellen Zentner for a fireside chat with Morgan Stanley's Head of Global Autos and Shared Mobility Research Adam Jonas for a conversation on the rapid transition of artificial intelligence into the physical world. This conversation will cover:
Q2 Market Essentials 2025
The latest Market Essentials is here. This quarterly resource breaks down market movements and trends in a digestible way. The content in these slides is tailored to the everyday investor who wants to stay informed about what is driving markets without getting bogged down in financial jargon.
Q3 Market Essentials 2025
The latest Market Essentials is here. This quarterly resource breaks down market movements and trends in a digestible way. The content in these slides is tailored to the everyday investor who wants to stay informed about what is driving markets without getting bogged down in financial jargon.
Cybersecurity - October 6, 2025
Protecting your personal information online is more important than ever. Join our next Wealth Education for the Next Generation virtual event on Monday, October 6th to discover essential cybersecurity practices and develop responsible social media habits that will help safeguard your digital presence in today's interconnected world.
Introduction to Money & Saving: Building a Strong Financial Foundation
This session covered the basics of personal finance including goal setting, budgeting, and the benefits of compounding interest to help build a strong financial foundation.
2025 Tax Tables
This table shows the 2025 contribution limits for Retirement Plans, Traditional and ROTH IRA Contribution Limits, Health Savings Accounts, and more.
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
On The Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more
Location
2775 Sand Hill Road
Suite 120
Menlo Park, CA 94025
US
Direct:
(650) 926-7683(650) 926-7683
14850 N. Scottsdale Road
6th floor
Scottsdale, AZ 85254
US
Direct:
(480) 345-4756(480) 345-4756
55 East 52nd Street
7th Floor
New York City, NY 10055
US
Direct:
(212) 603-6201(212) 603-6201
Meet The Solaria Group
Phone:
(480) 345-4756(480) 345-4756
Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(650) 358-1823(650) 358-1823
Karl Christman
Portfolio Associate
Phone:
(480) 922-7981(480) 922-7981
Adolfo Diaz
Client Service Associate
Phone:
(650) 926-7217(650) 926-7217
About Solaria Perez-Stepanov
Solaria was named to the 2025 Forbes Best-in-State Top Women Advisors ranking. She is the leader of The Solaria Group – a multi-generational team providing highly customized global wealth management to successful individuals and families from around the world.
Solaria believes in doing well by doing good. Through a mindful process of listening carefully, employing empathy, understanding a client’s financial needs and values, she creates financial roadmaps and provides forthright advice. By putting her client’s vision of a fulfilling life at the front and center, she and her team work hard to help clients achieve their financial goals and build legacies for their families. Integrity and transparency are key tenets of her team’s philosophy.
At Morgan Stanley Solaria is a designated International Client Advisor, enabling her to work with clients living outside of the United States. She understands multi-jurisdictional challenges and helps clients navigate cross-border intricacies. As a European Economic Area Specialist, she helps U.S. citizens relocate to Europe.
As a Senior Portfolio Management Director, she manages diversified portfolios including a Women in Leadership Portfolio, and a Green Portfolio.
Solaria serves on the Morgan Stanley National Diversity and Inclusion Council. She gives back to her community by promoting financial literacy, including teaching a class to high school seniors on the basics of saving and investing. She volunteers with Summer Search, a non-profit for disadvantaged at-risk youth, the very same organization that she is deeply grateful for helping to change the course of her life when she was a teenager.
Prior to joining Morgan Stanley in 2010, Solaria worked in the Investment Banking divisions at JPMorgan and BNP Paribas. She speaks English, Spanish, Portuguese and French. Born and raised in Mexico City, she lives in the Bay Area with her family. In her downtime she enjoys yoga and spending time with her baby Maximus and husband Alexander. She holds a B.A. in Economics and a B.A in Political Science from Brown University and an MBA from Harvard Business School.
Solaria believes in doing well by doing good. Through a mindful process of listening carefully, employing empathy, understanding a client’s financial needs and values, she creates financial roadmaps and provides forthright advice. By putting her client’s vision of a fulfilling life at the front and center, she and her team work hard to help clients achieve their financial goals and build legacies for their families. Integrity and transparency are key tenets of her team’s philosophy.
At Morgan Stanley Solaria is a designated International Client Advisor, enabling her to work with clients living outside of the United States. She understands multi-jurisdictional challenges and helps clients navigate cross-border intricacies. As a European Economic Area Specialist, she helps U.S. citizens relocate to Europe.
As a Senior Portfolio Management Director, she manages diversified portfolios including a Women in Leadership Portfolio, and a Green Portfolio.
Solaria serves on the Morgan Stanley National Diversity and Inclusion Council. She gives back to her community by promoting financial literacy, including teaching a class to high school seniors on the basics of saving and investing. She volunteers with Summer Search, a non-profit for disadvantaged at-risk youth, the very same organization that she is deeply grateful for helping to change the course of her life when she was a teenager.
Prior to joining Morgan Stanley in 2010, Solaria worked in the Investment Banking divisions at JPMorgan and BNP Paribas. She speaks English, Spanish, Portuguese and French. Born and raised in Mexico City, she lives in the Bay Area with her family. In her downtime she enjoys yoga and spending time with her baby Maximus and husband Alexander. She holds a B.A. in Economics and a B.A in Political Science from Brown University and an MBA from Harvard Business School.
Securities Agent: SC, UT, TX, SD, OR, DE, TN, WA, WI, VT, VI, VA, WV, NY, WY, OH, PA, MA, RI, PR, NV, NM, NJ, NH, MS, NC, MT, MO, MN, MI, ND, MD, LA, FL, IL, HI, ID, IA, KS, KY, GA, IN, AR, CT, ME, AZ, CO, CA, NE, DC, AL, AK, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 1264981
NMLS#: 1264981
About Ross D. Pearlman
Ross Pearlman is a Portfolio Management Director and founding partner of The Solaria Group. For more than 30 years Ross has built trusting multi-generational relationships by focusing on what matters most to his clients. Through extensive initial conversations and by listening carefully, Ross learns about their personal goals, financial priorities, risk tolerance and aspirations for charitable and family legacies. Based on this analysis and his experience navigating through multiple market cycles, he crafts financial roadmaps for his clients. His team’s holistic approach includes investment strategy, lending solutions, and comprehensive financial and estate planning.
Ross helps clients make smart investment and financial decisions based on uncompromising integrity, trust, and personalized service. He arranges their financial affairs in an efficient and effective way; to preserve their capital and obtain risk-adjusted returns consistent with their financial objectives; and, most importantly, to help them achieve their financial goals.
Ross has a loyal client following due to his acumen and ability to manage money in dynamic economic environments. Ross has managed portfolios and guided clients through some of the best times in market history, as well as some of the more difficult, including the Dot-Com bubble in 2000 and the 2008 Financial Crisis.
Born and raised in Chicago, Ross earned a Bachelor of Arts in Finance from Arizona State University. Upon graduating, Arizona had captured his heart and decided to move there to start his career in the financial services industry. After spending 12 years as Financial Advisor, Ross joined Morgan Stanley in 2007.
He currently resides in Scottsdale where he is an avid cyclist and snowboarder. In his downtime Ross enjoys spending time with his miniature Dachshund and his 92-pound Rhodesian Ridgeback, exploring food, and traveling the world. While he no longer cycles competitively, Ross remains a frequent participant in charitable cycling events as a way to give back.
Ross helps clients make smart investment and financial decisions based on uncompromising integrity, trust, and personalized service. He arranges their financial affairs in an efficient and effective way; to preserve their capital and obtain risk-adjusted returns consistent with their financial objectives; and, most importantly, to help them achieve their financial goals.
Ross has a loyal client following due to his acumen and ability to manage money in dynamic economic environments. Ross has managed portfolios and guided clients through some of the best times in market history, as well as some of the more difficult, including the Dot-Com bubble in 2000 and the 2008 Financial Crisis.
Born and raised in Chicago, Ross earned a Bachelor of Arts in Finance from Arizona State University. Upon graduating, Arizona had captured his heart and decided to move there to start his career in the financial services industry. After spending 12 years as Financial Advisor, Ross joined Morgan Stanley in 2007.
He currently resides in Scottsdale where he is an avid cyclist and snowboarder. In his downtime Ross enjoys spending time with his miniature Dachshund and his 92-pound Rhodesian Ridgeback, exploring food, and traveling the world. While he no longer cycles competitively, Ross remains a frequent participant in charitable cycling events as a way to give back.
Securities Agent: NY, VA, IA, MN, ME, OR, OH, FL, AZ, UT, NJ, MI, DC, CA, NM, NC, MA, WA, HI, KS, NV, LA, ID, GA, CO, PA, NE, IL, TX, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1308829
NMLS#: 1308829
About Philip Horowitz
Securities Agent: DC, NC, KS, IL, NY, MA, NJ, NE, MD, OH, LA, CA, WA, UT, TX, NV, HI, CO, AZ, MI, GA, MT, VT, OR, ID, PA, FL, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1312672
CA Insurance License #: 0I02471
NMLS#: 1312672
CA Insurance License #: 0I02471
About Karl Christman
Karl draws from an extensive experience in the financial services industry, having entered the field in 1999. He prides himself on delivering an outstanding overall total client experience. He is responsible for day to day administrative and operational needs, from trade execution, to market and performance reporting. Karl passionately delivers white glove client service and engages in clients and prospects to determine investment objectives, current portfolio status, risk tolerance, and other information necessary to build a comprehensive portfolio.
Prior to Morgan Stanley, Karl held various roles with other financial industry firms as well as spent more than a decade in IT Agile Project Delivery. He currently holds his Series 6, 7, 63, and 65 registrations and licenses. Karl holds his Bachelor of Science from the University of Pittsburgh and his Master’s in Business Administration from Saint Joseph’s University with a concentration in International Business.
Originally from the Philadelphia area, Karl now resides in Phoenix with his wife and two daughters. He enjoys hiking, skiing, and attending live music concerts.
Prior to Morgan Stanley, Karl held various roles with other financial industry firms as well as spent more than a decade in IT Agile Project Delivery. He currently holds his Series 6, 7, 63, and 65 registrations and licenses. Karl holds his Bachelor of Science from the University of Pittsburgh and his Master’s in Business Administration from Saint Joseph’s University with a concentration in International Business.
Originally from the Philadelphia area, Karl now resides in Phoenix with his wife and two daughters. He enjoys hiking, skiing, and attending live music concerts.
About Adolfo Diaz
First class financial services can make a lasting, positive impact on our clients’ lifestyle and the legacy they leave behind. As a Client Service Associate at The Solaria Group, Adolfo builds strong relationships and delivers exceptional client service.
Adolfo is proficient in managing and streamlining operations with the goal to always enhance the client experience. His demonstrated problem-solving capabilities, his friendly demeanor and ability to connect with people from all backgrounds enable him build client relationships founded on trust, transparency and effective communication.
Fluent in English and Spanish Adolfo enjoys working with both our domestic and international clients.
Prior to joining Morgan Stanley in 2024, Adolfo held administrative roles at One Capital Management LLC and First Republic in the Private Wealth Management division.
Adolfo holds a B.A in Sociology from UC Berkeley. He is current on his SIE, Series 7, 66 registrations and licenses.
Originally from Alabama Adolfo now resides in San Francisco. In his spare time, he enjoys going to the gym, practicing yoga, and spending time with his cats Antonio and Alma.
Adolfo is proficient in managing and streamlining operations with the goal to always enhance the client experience. His demonstrated problem-solving capabilities, his friendly demeanor and ability to connect with people from all backgrounds enable him build client relationships founded on trust, transparency and effective communication.
Fluent in English and Spanish Adolfo enjoys working with both our domestic and international clients.
Prior to joining Morgan Stanley in 2024, Adolfo held administrative roles at One Capital Management LLC and First Republic in the Private Wealth Management division.
Adolfo holds a B.A in Sociology from UC Berkeley. He is current on his SIE, Series 7, 66 registrations and licenses.
Originally from Alabama Adolfo now resides in San Francisco. In his spare time, he enjoys going to the gym, practicing yoga, and spending time with his cats Antonio and Alma.
Contact Solaria Perez-Stepanov
Contact Ross D. Pearlman
Contact Philip Horowitz
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
Will Galvin
Planning Associate
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.
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.
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
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- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
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529 Plans: A Powerful Tool to Save for Education
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
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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 Solaria Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 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.
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.
6Products 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.
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
8GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
9Alternative 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 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.
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.
6Products 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.
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
8GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
9Alternative 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
