Evan Hunter, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(310) 544-3652(310) 544-3652
The South Bay Group at Morgan Stanley
Evan Hunter, CFP®Jeramy Heath, CRPC®Brandon Higa, CRPC®Andy Dilsaver, CFP®Andrew DavisKristian Widor
Direct:
(833) 840-4646(833) 840-4646
Direct:
(833) 840-4646(833) 840-4646
Our Mission Statement
Our mission is to provide our clients with holistic, tax-efficient wealth management advice for the benefit of themselves, their families, and their philanthropic endeavors
Our Story
Since 2001, the South Bay Group at Morgan Stanley has been helping our clients make smarter decisions regarding their investments, company stock/options, and overall financial health.
Our independent wealth management process eliminates conflicts of interest, and puts clients' needs first. Our process is designed to help us understand the unique needs of each client, to identify gaps between a client's present financial strategies and where they want to be in future, and to identify ways to fill those gaps. Our process also enables us to provide unbiased financial advice, along with personalized, tax-efficient investment strategies that are updated as clients' needs change during their lifetimes, and beyond.
Our services include hands-on investment management which is fully customizable and can include socially and environmentally aware, and/or religiously aware investing upon request, Our services also include asset preservation strategies, insurance, retirement planning strategies, estate planning strategies, and access to lending where needed.
At the South Bay Group, we also focus on helping clients manage their stock plans. We understand that managing stock plans can be a complex and time-consuming process. Our team has extensive experience in helping clients navigate the intricacies of stock plans, from understanding the tax implications to making informed investment decisions.
Importantly, in addition to helping our clients build wealth, help with reducing taxes, and minimize the risk of outliving their savings, we also focus on helping our clients deal with life's transitions. These include helping clients prepare for retirement, deal with divorce, the death of a spouse, looking after aged parents and their estates, controlling inheritances. The diversity of our caring team members' experiences has been invaluable in helping clients, as is our collaboration with clients' attorneys and tax advisors, as needed.
Please contact us at 833 840 4646 to schedule an appointment.
Our independent wealth management process eliminates conflicts of interest, and puts clients' needs first. Our process is designed to help us understand the unique needs of each client, to identify gaps between a client's present financial strategies and where they want to be in future, and to identify ways to fill those gaps. Our process also enables us to provide unbiased financial advice, along with personalized, tax-efficient investment strategies that are updated as clients' needs change during their lifetimes, and beyond.
Our services include hands-on investment management which is fully customizable and can include socially and environmentally aware, and/or religiously aware investing upon request, Our services also include asset preservation strategies, insurance, retirement planning strategies, estate planning strategies, and access to lending where needed.
At the South Bay Group, we also focus on helping clients manage their stock plans. We understand that managing stock plans can be a complex and time-consuming process. Our team has extensive experience in helping clients navigate the intricacies of stock plans, from understanding the tax implications to making informed investment decisions.
Importantly, in addition to helping our clients build wealth, help with reducing taxes, and minimize the risk of outliving their savings, we also focus on helping our clients deal with life's transitions. These include helping clients prepare for retirement, deal with divorce, the death of a spouse, looking after aged parents and their estates, controlling inheritances. The diversity of our caring team members' experiences has been invaluable in helping clients, as is our collaboration with clients' attorneys and tax advisors, as needed.
Please contact us at 833 840 4646 to schedule an appointment.
Services Include
- Stock Plan ServicesFootnote1
- Business Succession PlanningFootnote2
- Business PlanningFootnote3
- Wealth ManagementFootnote4
- Professional Portfolio ManagementFootnote5
- Alternative InvestmentsFootnote6
- Retirement PlanningFootnote7
- Trust AccountsFootnote8
- Asset Management
- Endowments and FoundationsFootnote9
- Estate Planning StrategiesFootnote10
- Financial PlanningFootnote11
- Fixed IncomeFootnote12
- Cash Management and Lending ProductsFootnote13
- Life InsuranceFootnote14
- Municipal BondsFootnote15
- Structured ProductsFootnote16
- Executive Financial ServicesFootnote17
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Comprehensive Financial Planning
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, we can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
2026 Tax Tables
This helpful resource outlines the 2026 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
2026 Tax Tables
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
Retirement
Leading up to and through retirement, Cornerstone Capital helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals.
Estate Planning Strategies
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. We regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
Managing Investments
We manage your retirement accounts and other investments based on your risk level and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
Community Involvement
Giving back is a core value of Morgan Stanley. The South Bay Group is committed to being involved in our communities and helping wherever we can. Our team provides support and services to the following organizations that build up our community and we are passionate in our efforts to be the change we hope to see.
Palos Verdes Peninsula Land Conservancy
The mission of the Palos Verdes Peninsula Land Conservancy (PVPLC) is to "preserve land and restore habitat for the education and enjoyment of all."
The Conservancy preserves undeveloped land as open space for historical, educational, ecological, recreational and scenic purposes. Since its founding in 1988, the Conservancy has successfully preserved 1,600 acres of open space on the Palos Verdes Peninsula.
The Conservancy's vision is the creation and management of large blocks of natural open space where visitors may enjoy peaceful solitude, where children and adults can learn about the natural environment, and where native plants and animals can thrive.
Learn MoreThe Conservancy preserves undeveloped land as open space for historical, educational, ecological, recreational and scenic purposes. Since its founding in 1988, the Conservancy has successfully preserved 1,600 acres of open space on the Palos Verdes Peninsula.
The Conservancy's vision is the creation and management of large blocks of natural open space where visitors may enjoy peaceful solitude, where children and adults can learn about the natural environment, and where native plants and animals can thrive.
Palos Verdes Peninsula Education Foundation
The mission of Peninsula Education Foundation is to raise and grant funds to enhance educational excellence for Palos Verdes Peninsula Unified School District.
We provide financial services and guidance to continue their efforts. As a team, we offer our advice and activity take part in financial discussions to ensure the continuity of the foundation.
Learn MoreWe provide financial services and guidance to continue their efforts. As a team, we offer our advice and activity take part in financial discussions to ensure the continuity of the foundation.
Enrichment Works
A Non profit 501(c)3 organization whose mission is to create and present theater to inspire learning. We bring plays and musicals to schools and community group that help students learn and develop an emotional connection to important topics.
Awards and Media
Brandon Higa 2025 Pacesetter's Club
Brandon Higa, Pacesetter's Club Member 2024 + 2025
Jeramy Heath 2024 Master's Club
Jeramy Heath, Master's Club Member since 2024
Considerations on Your Road to Retirement
Whether you're starting out in your career, or you're a few years from retirement, or you find yourself somewhere in between, retirement looks different for everyone. Check out this video from Brandon Higa, Financial Advisor, to learn more about how The South Bay Group can help guide you through every step of your retirement journey.
Click to Watch Video
2012-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2024 Award - 02/13/2023 - 08/31/ 2023
2023 Award - 03/28/2022 - 09/23/2022
2022 Award - 03/29/2021 - 10/1/2021
2021 Award - 03/30/2020 - 10/9/2020
2020 Award - 03/1/2019 - 10/25/2019
2019 Award - 03/26/2018 - 10/16/2018
2018 Award - 03/23/2017 - 10/13/2017
2017 Award - 02/25/2016 - 10/24/2016
2016 Award - 05/22/2015 - 10/16/2015
2015 Award - 05/22/2014 - 10/16/2014
2014 Award - 05/22/2013 - 10/16/2013
2013 Award - 05/22/2012 - 10/16/2012
2012 Award - 05/22/2011 - 10/16/2011
Jeramy received the financial industry's "Five Star Wealth Manager for Los Angeles" award from 2012 to 2024
2024 Award - 02/13/2023 - 08/31/ 2023
2023 Award - 03/28/2022 - 09/23/2022
2022 Award - 03/29/2021 - 10/1/2021
2021 Award - 03/30/2020 - 10/9/2020
2020 Award - 03/1/2019 - 10/25/2019
2019 Award - 03/26/2018 - 10/16/2018
2018 Award - 03/23/2017 - 10/13/2017
2017 Award - 02/25/2016 - 10/24/2016
2016 Award - 05/22/2015 - 10/16/2015
2015 Award - 05/22/2014 - 10/16/2014
2014 Award - 05/22/2013 - 10/16/2013
2013 Award - 05/22/2012 - 10/16/2012
2012 Award - 05/22/2011 - 10/16/2011
Jeramy received the financial industry's "Five Star Wealth Manager for Los Angeles" award from 2012 to 2024
3 Financial Tips I Tell People in Their 30s
The South Bay Group has spent years helping clients figure out what to do with their finances. Watch this video to learn more about 3 Financial Tips Brandon Higa, Financial Advisor, Tells People in Their 30s.
Click to Watch VideoLocation
21250 Hawthorne Blvd
Ste 650
Torrance, CA 90503
US
Direct:
(833) 840-4646(833) 840-4646
609 Deep Valley Dr
Ste 400
Rolling Hills Est, CA 90274
US
Direct:
(833) 840-4646(833) 840-4646
Meet The South Bay Group
Jeramy Heath, CRPC®
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Senior Investment Management Consultant, Financial Planning Specialist
Phone:
(310) 543-0287(310) 543-0287
First Vice President, Wealth Management, Financial Advisor, Global Sports and Entertainment Director, Executive Financial Services Director, Portfolio Management Director, Workplace Advisor - Equity Compensation, Chartered Retirement Planning Counselor
Phone:
(310) 544-3681(310) 544-3681
Andy Dilsaver, CFP®
First Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Portfolio Management Director
Phone:
(310) 543-0231(310) 543-0231
Andrew Davis
Vice President, Private Wealth Management, Financial Advisor
Phone:
(310) 544-3608(310) 544-3608
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Lending Specialist
Phone:
(310) 544-3617(310) 544-3617
Frank D. Yanez
Portfolio Associate
Phone:
(310) 543-0251(310) 543-0251
Pepper Berry
Senior Registered Associate
Phone:
(310) 544-3678(310) 544-3678
Jordan Horner
Business Development Associate
Phone:
(310) 544-3612(310) 544-3612
About Evan Hunter
I have provided financial guidance to affluent individuals and families as well as corporate retirement plans in Southern California for over 30 years. I am a Certified Financial Planner®, a Chartered Retirement Plan Specialist® and take a holistic approach to wealth management and 401(k) plan consulting.
The more I know about your complete picture –not just the financial numbers but also your family dynamics, true dreams and passions – the more effective partner myself and my team at the Palos Verdes Group can be. I want to understand what wealth means to you, so I can craft the most appropriate strategy to help you achieve your goals with the least amount of risk. Truly understanding the needs of my clients has fostered long-term relationships that span multiple generations.
I have lived and worked on the Palos Verdes Peninsula since 1987, raising my family here and staying active in the local community. I am a member of the Palos Verdes Education Foundation, the Palos Verdes Land Conservancy Member and a board member for Enrichment Works "Theatre to Inspire Learning," a group that produces plays, musicals and workshops for schools, libraries and other community venues. Away from the office, I enjoy spending time with family, travel, golf, charity work as well as supporting my USC Trojans and the Los Angeles Dodgers.
NMLS#: 1316583
The more I know about your complete picture –not just the financial numbers but also your family dynamics, true dreams and passions – the more effective partner myself and my team at the Palos Verdes Group can be. I want to understand what wealth means to you, so I can craft the most appropriate strategy to help you achieve your goals with the least amount of risk. Truly understanding the needs of my clients has fostered long-term relationships that span multiple generations.
I have lived and worked on the Palos Verdes Peninsula since 1987, raising my family here and staying active in the local community. I am a member of the Palos Verdes Education Foundation, the Palos Verdes Land Conservancy Member and a board member for Enrichment Works "Theatre to Inspire Learning," a group that produces plays, musicals and workshops for schools, libraries and other community venues. Away from the office, I enjoy spending time with family, travel, golf, charity work as well as supporting my USC Trojans and the Los Angeles Dodgers.
NMLS#: 1316583
Securities Agent: AR, MS, VT, SC, PR, MN, ID, CA, CO, AZ, SD, OK, FL, VA, ND, UT, OH, NJ, NC, MT, MO, MI, MD, IL, AL, WY, OR, TX, KY, CT, WI, PA, GA, WV, WA, NY, NM, MA, KS, DE, TN, NV, IN, HI; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1316583
CA Insurance License #: 0A76746
NMLS#: 1316583
CA Insurance License #: 0A76746
About Jeramy Heath
Jeramy focuses on helping clients transition into retirement while maintaining their standard of living. Since 2000 his natural analytical and process-driven approach is designed to provide retirees with tax-efficient income from multiple sources, asset protection, and legacy planning. Jeramy holds the Chartered Retirement Planning Counselor designation and has been recognized as a Five Star Wealth Manager for Los Angeles annually from 2012 to 2025. (Source: fivestarprofessional.com (Awarded 2012-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2025 award - 03/29/2024 - 08/30/2024
2024 Award - 02/13/2023 - 08/31/ 2023
2023 Award - 03/28/2022 - 09/23/2022
2022 Award - 03/29/2021 - 10/1/2021
2021 Award - 03/30/2020 - 10/9/2020
2020 Award - 03/1/2019 - 10/25/2019
2019 Award - 03/26/2018 - 10/16/2018
2018 Award - 03/23/2017 - 10/13/2017
2017 Award - 02/25/2016 - 10/24/2016
2016 Award - 05/22/2015 - 10/16/2015
2015 Award - 05/22/2014 - 10/16/2014
2014 Award - 05/22/2013 - 10/16/2013
2013 Award - 05/22/2012 - 10/16/2012
2012 Award - 05/22/2011 - 10/16/2011
For Jeramy, helping preserve the wealth that his clients have worked so hard to achieve is not just a job, but his mission. He was inspired to become a Financial Advisor after his father's medical crisis, which revealed that, despite having a will and estate plan in place, his parents did not have an integrated wealth management strategy that could have better prepared them for the unexpected. This experience motivated Jeramy to help others take control of their financial future with greater clarity and confidence.
Prior to his career as a Financial Advisor, Jeramy worked as a research chemist focused on evaluating the effects of pesticides on food. His research is still utilized by governmental agencies worldwide to establish regulations on pesticide use in agriculture.
Born, raised, and educated in England, Jeramy currently resides in Orange County, California, with his wife, son, and stepson. He has a passion for modernist cuisine and enjoys cooking, as well as pursuing hobbies such as woodworking, photography, and travel in his free time.
Jeramy earned a membership in the prestigious 2024 Master's Club, showcasing his outstanding dedication and leadership in the industry and at Morgan Stanley. https://mgstn.ly/48yHOEI
2025 award - 03/29/2024 - 08/30/2024
2024 Award - 02/13/2023 - 08/31/ 2023
2023 Award - 03/28/2022 - 09/23/2022
2022 Award - 03/29/2021 - 10/1/2021
2021 Award - 03/30/2020 - 10/9/2020
2020 Award - 03/1/2019 - 10/25/2019
2019 Award - 03/26/2018 - 10/16/2018
2018 Award - 03/23/2017 - 10/13/2017
2017 Award - 02/25/2016 - 10/24/2016
2016 Award - 05/22/2015 - 10/16/2015
2015 Award - 05/22/2014 - 10/16/2014
2014 Award - 05/22/2013 - 10/16/2013
2013 Award - 05/22/2012 - 10/16/2012
2012 Award - 05/22/2011 - 10/16/2011
For Jeramy, helping preserve the wealth that his clients have worked so hard to achieve is not just a job, but his mission. He was inspired to become a Financial Advisor after his father's medical crisis, which revealed that, despite having a will and estate plan in place, his parents did not have an integrated wealth management strategy that could have better prepared them for the unexpected. This experience motivated Jeramy to help others take control of their financial future with greater clarity and confidence.
Prior to his career as a Financial Advisor, Jeramy worked as a research chemist focused on evaluating the effects of pesticides on food. His research is still utilized by governmental agencies worldwide to establish regulations on pesticide use in agriculture.
Born, raised, and educated in England, Jeramy currently resides in Orange County, California, with his wife, son, and stepson. He has a passion for modernist cuisine and enjoys cooking, as well as pursuing hobbies such as woodworking, photography, and travel in his free time.
Jeramy earned a membership in the prestigious 2024 Master's Club, showcasing his outstanding dedication and leadership in the industry and at Morgan Stanley. https://mgstn.ly/48yHOEI
Securities Agent: GA, CA, TN, NC, MI, WV, UT, TX, ID, DE, AR, WI, SD, SC, OR, NV, MD, HI, MS, WA, PA, NY, NJ, ND, MO, FL, NM, KY, KS, WY, VA, PR, VT, OH, CT, MT, MN, IL, AZ, AL, OK, MA, IN, CO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255640
CA Insurance License #: 0D35596
NMLS#: 1255640
CA Insurance License #: 0D35596
About Brandon Higa
For more than 20 years, Brandon has had the honor of working with individuals, families, and institutions helping them to achieve their financial objectives. Brandon now brings his wealth of experience as a Senior Partner to The South Bay Group at Morgan Stanley. Brandon and his team focus intently on building long term relationships, striving to provide premium client service, and ultimately attempting to produce first-class overall results!
In his current roles as a Global Sports and Entertainment Director, Senior Portfolio Manager, Vice President: Wealth Management, and as a Workplace advisor - Equity Compensation, Brandon aims to be the epitome of excellence in financial stewardship. He also holds the Chartered Retirement Planning Counselor designation from The College for Financial Planning.
In his capacity as a Global Sports and Entertainment Director, Brandon demonstrates his commitment in providing insightful financial advising services to athletes, sports professionals, and entertainers worldwide. Additionally, Brandon has completed the Sports and Entertainment Accredited Wealth Management Advisor course through the College for Financial Planning. These accomplishments highlight his dedication to understanding the financial needs and challenges faced by clients in the dynamic worlds of sports and entertainment. Brandon also spent over 30 years of his life as an actor which has allowed him to experience firsthand the complexities of the entertainment industry.
As a Executive Financial Services Director Brandon focuses on helping Executives and Insider/Rule 144 Affiliate clients effectively navigate the complex landscape of insider trading regulations and reporting requirements. From 10b5-1 trading plans to Rule 144 form filing and tax-efficient investment strategies, Brandon helps provide hands-on support for your executives’ equity compensation plans.
Brandon comes from E*TRADE, where he spent 13 years as a Corporate Services Financial Consultant and Senior Financial Consultant, working with numerous ultra-high net worth clients from the corporate services and retail wealth management sectors.
Currently residing in Rancho Palos Verdes with his wife and three children, Brandon enjoys working out, playing golf, watching various sports, and exploring new restaurants in his free time.
Brandon earned a membership in the prestigious Pacesetter's Club* in 2024 and 2025, showcasing his outstanding dedication and leadership in the industry and at Morgan Stanley. https://mgstn.ly/48yHOEI
*Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
In his current roles as a Global Sports and Entertainment Director, Senior Portfolio Manager, Vice President: Wealth Management, and as a Workplace advisor - Equity Compensation, Brandon aims to be the epitome of excellence in financial stewardship. He also holds the Chartered Retirement Planning Counselor designation from The College for Financial Planning.
In his capacity as a Global Sports and Entertainment Director, Brandon demonstrates his commitment in providing insightful financial advising services to athletes, sports professionals, and entertainers worldwide. Additionally, Brandon has completed the Sports and Entertainment Accredited Wealth Management Advisor course through the College for Financial Planning. These accomplishments highlight his dedication to understanding the financial needs and challenges faced by clients in the dynamic worlds of sports and entertainment. Brandon also spent over 30 years of his life as an actor which has allowed him to experience firsthand the complexities of the entertainment industry.
As a Executive Financial Services Director Brandon focuses on helping Executives and Insider/Rule 144 Affiliate clients effectively navigate the complex landscape of insider trading regulations and reporting requirements. From 10b5-1 trading plans to Rule 144 form filing and tax-efficient investment strategies, Brandon helps provide hands-on support for your executives’ equity compensation plans.
Brandon comes from E*TRADE, where he spent 13 years as a Corporate Services Financial Consultant and Senior Financial Consultant, working with numerous ultra-high net worth clients from the corporate services and retail wealth management sectors.
Currently residing in Rancho Palos Verdes with his wife and three children, Brandon enjoys working out, playing golf, watching various sports, and exploring new restaurants in his free time.
Brandon earned a membership in the prestigious Pacesetter's Club* in 2024 and 2025, showcasing his outstanding dedication and leadership in the industry and at Morgan Stanley. https://mgstn.ly/48yHOEI
*Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
Securities Agent: TN, WI, SC, RI, ID, PR, NE, MI, KS, NM, IN, WY, VA, PA, OK, ND, MT, GA, CO, WA, VT, NV, MS, MO, DE, CT, MN, DC, UT, OR, NJ, NC, MA, CA, AL, SD, NY, HI, FL, WV, AZ, TX, OH, MD, IL, AR, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 2443880
CA Insurance License #: 0F42598
NMLS#: 2443880
CA Insurance License #: 0F42598
About Andy Dilsaver
My team works with clients at all stages of their financial journey, creating solutions to help meet the needs of each phase of life. As a CERTIFIED FINANCIAL PLANNER (CFP®), the foundation of our process is identifying your goals and creating a custom financial plan.
My experience includes working with founders and early employees of iconic growth companies to help them keep more of what they earned. Our team has extensive experience in helping clients navigate the intricacies of stock plans, from understanding the tax implications to making informed investments decisions.
We work with clients on a personal level, helping them prepare for retirement and set-up and manage tax advantaged plans such as personal pension plans, defined contribution plans and 401k plans. Our goal is to reduce your risk, while still achieving the desired outcome. .
Beyond my professional work, I am an active member of my local community, serving on the Executive Committee of the Los Angeles Rugby club and their youth organization, as well as supporting various environmental initiatives through organizations such as Surfrider Foundation and Heal the Bay. I have been a volunteer at Cal State Long Beach since 2013, teaching financial education to the community.
I live in the South Bay with my wife Rachel, our three children - daughters Millie (11) and Kit (8), son Declan (4) - and our dog Bowie. In my free time, I pursue my passion for the great outdoors, hiking, cycling and surfing. Currently I am working toward my goal to summit all of the 14,000 ft. peaks in California.
My experience includes working with founders and early employees of iconic growth companies to help them keep more of what they earned. Our team has extensive experience in helping clients navigate the intricacies of stock plans, from understanding the tax implications to making informed investments decisions.
We work with clients on a personal level, helping them prepare for retirement and set-up and manage tax advantaged plans such as personal pension plans, defined contribution plans and 401k plans. Our goal is to reduce your risk, while still achieving the desired outcome. .
Beyond my professional work, I am an active member of my local community, serving on the Executive Committee of the Los Angeles Rugby club and their youth organization, as well as supporting various environmental initiatives through organizations such as Surfrider Foundation and Heal the Bay. I have been a volunteer at Cal State Long Beach since 2013, teaching financial education to the community.
I live in the South Bay with my wife Rachel, our three children - daughters Millie (11) and Kit (8), son Declan (4) - and our dog Bowie. In my free time, I pursue my passion for the great outdoors, hiking, cycling and surfing. Currently I am working toward my goal to summit all of the 14,000 ft. peaks in California.
Securities Agent: UT, TN, WI, TX, NM, MN, KY, VT, OK, NY, IN, AZ, WV, HI, CO, NJ, IL, CT, AL, WY, SC, OH, MD, FL, SD, ND, MI, AR, VA, NC, MO, PR, PA, NV, ID, GA, MS, OR, MT, MA, KS, DE, CA, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1560671
CA Insurance License #: 0H58944
NMLS#: 1560671
CA Insurance License #: 0H58944
About Andrew Davis
Andrew Davis was born and raised in Southern California, spending his early years in Culver City and Manhattan Beach. He played varsity volleyball for Culver City High School and Mira Costa High School and served as the Parliamentarian for the Culver-Palms Family YMCA (CPY) delegation as part of the state-wide Youth & Government program. It was during his high school years that he also met his wife, Sonia.
For college, he decided a change of scenery was in order, so he left for New Orleans, LA to study finance at Tulane University in the fall of 2003. He narrowly escaped town during Hurricane Katrina, driving out 18 hours before the storm hit on a bridge that was not there the next day. Once the city was back up and running, Andrew returned to finish his final two years of school where he received his Bachelor of Science in Management (BSM) degree from Tulane’s A.B. Freeman School of Business.
Andrew’s career began in 2007 as a Registered Client Service Associate at UBS Financial Services in Century City, CA where he learned all aspects of the business while supporting three sole practitioner Financial Advisors. During this time, he obtained his Series 7, Series 66, and CA insurance licenses.
In March of 2009 he followed his lead advisor over to Morgan Stanley (Smith Barney), where he began formally training to become a Financial Advisor and has been with the firm ever since.
He now serves as a Financial Advisor on The South Bay Group at Morgan Stanley and is excited to bring his diverse industry background to the team focusing on analytics, portfolio management and financial planning.
He and Sonia now live in Redondo Beach, CA with their daughter Mackenzie and their Aussie Labradoodle Mochi. In his spare time, he enjoys playing beach volleyball, paddle tennis, golf, and poker, as well as snowboarding, hiking, camping, DJing, and dancing.
For college, he decided a change of scenery was in order, so he left for New Orleans, LA to study finance at Tulane University in the fall of 2003. He narrowly escaped town during Hurricane Katrina, driving out 18 hours before the storm hit on a bridge that was not there the next day. Once the city was back up and running, Andrew returned to finish his final two years of school where he received his Bachelor of Science in Management (BSM) degree from Tulane’s A.B. Freeman School of Business.
Andrew’s career began in 2007 as a Registered Client Service Associate at UBS Financial Services in Century City, CA where he learned all aspects of the business while supporting three sole practitioner Financial Advisors. During this time, he obtained his Series 7, Series 66, and CA insurance licenses.
In March of 2009 he followed his lead advisor over to Morgan Stanley (Smith Barney), where he began formally training to become a Financial Advisor and has been with the firm ever since.
He now serves as a Financial Advisor on The South Bay Group at Morgan Stanley and is excited to bring his diverse industry background to the team focusing on analytics, portfolio management and financial planning.
He and Sonia now live in Redondo Beach, CA with their daughter Mackenzie and their Aussie Labradoodle Mochi. In his spare time, he enjoys playing beach volleyball, paddle tennis, golf, and poker, as well as snowboarding, hiking, camping, DJing, and dancing.
Securities Agent: PR, KY, NJ, MN, MA, AL, OH, NY, DE, CA, VT, OR, NV, WY, ID, AR, WI, WA, UT, SD, OK, NM, MT, CT, CO, AZ, WV, PA, MI, MD, HI, KS, IL, VA, IN, GA, TN, ND, NC, MS, FL, TX, SC, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1705089
CA Insurance License #: 0G97956
NMLS#: 1705089
CA Insurance License #: 0G97956
About Kristian Widor
Out of the more than 30 years that I have been in the industry, more than 28 of those years have been with Morgan Stanley (and its predecessor Smith Barney). This continuity carries through to my approach with my clients, with consistency in my advice and service being the reason for the majority of my relationships being multigenerational. I have extensive experience working with ultra-high-net-worth families and business owners. In addition to being a Portfolio Management Director, I hold Morgan Stanley’s Lending Specialist designation, assisting clients with their personal and business financing needs.
Prior to joining Morgan Stanley (Smith Barney) in 1998, I was a representative with GT Global Mutual Funds. My early experience at a globally oriented mutual fund proved foundational, instilling in me a cross-border investment philosophy that has guided my career.
I currently live on the Palos Verdes Peninsula with my wife, Suzanne, our three children, two dogs, and two cats. When not in the office or at work events, I enjoy playing golf, tennis, skiing, watching Formula One, and travelling with my family. Additionally, my participation in the National Charity League with my youngest daughter has enriched my understanding of the importance of giving back and staying connected to the community.
Prior to joining Morgan Stanley (Smith Barney) in 1998, I was a representative with GT Global Mutual Funds. My early experience at a globally oriented mutual fund proved foundational, instilling in me a cross-border investment philosophy that has guided my career.
I currently live on the Palos Verdes Peninsula with my wife, Suzanne, our three children, two dogs, and two cats. When not in the office or at work events, I enjoy playing golf, tennis, skiing, watching Formula One, and travelling with my family. Additionally, my participation in the National Charity League with my youngest daughter has enriched my understanding of the importance of giving back and staying connected to the community.
Securities Agent: AR, OH, NV, MN, VA, TX, OR, KS, ID, AZ, CT, CO, TN, NC, GA, CA, WA, MA, KY, HI, WI, NY, FL, NJ, MD, UT, RI, NM, DE, AL, IL, PA, ND, VT, SC, OK, MS, MO, DC, NH, MT, IN, NE, MI, WY, WV, SD, PR; General Securities Representative; Investment Advisor Representative
NMLS#: 1252975
CA Insurance License #: 0D38098
NMLS#: 1252975
CA Insurance License #: 0D38098
About Frank D. Yanez
Having amassed over two decades of experience in the financial services industry, Frank holds the key to all the seamless and efficient operations that ensure our clients' satisfaction. He became a part of Morgan Stanley's team back in 1997, and over the years, he has held several positions, including Operations Manager, Financial Advisor, and Sales Assistant
About Pepper Berry
I bring a diverse perspective to my work at the South Bay Group. After being a musician and performer for nearly 20 years, I started my financial services career in private wealth management operations and technology at UBS in 2007. After serving as a Client Service Associate at First Republic Bank, I joined Morgan Stanley in 2012 as a Senior Registered Associate.
Originally from Texas, I earned a Bachelor of Arts degree in Film from Baylor University as well as studying screenwriting at UCLA. In my spare time, when I’m not writing, I serve as a teacher and director at The Second City and the Youth Academy of Dramatic Arts where I also perform.
Originally from Texas, I earned a Bachelor of Arts degree in Film from Baylor University as well as studying screenwriting at UCLA. In my spare time, when I’m not writing, I serve as a teacher and director at The Second City and the Youth Academy of Dramatic Arts where I also perform.
About Jordan Horner
Jordan Horner was born and raised in Central New Jersey where he went to Rider University and graduated Summa Cum Laude with a degree in Finance with a concentration in Private Wealth Management. After a brief tenure with Wells Fargo, Jordan transitioned to E*TRADE's Customer Service and Trading teams. He quickly ascended through the trading teams and was identified as a candidate to join the E*TRADE Advantage Sales team. It was during the 2023 campaign that leadership approached Jordan about moving to the Los Angeles marketplace to better situate the sales team in an incredibly lucrative region.
Jordan's has been able to integrate his E*TRADE expertise into the Morgan Stanley ecosystem, helping clients clients in financial planning, consolidating assets, and reviewing equity compensation. Since relocating to Los Angeles, he has acquired new connections within the firm and furthered his licensing pursuit by obtaining the Series 9, 10, and 65 licenses.
Jordan's has been able to integrate his E*TRADE expertise into the Morgan Stanley ecosystem, helping clients clients in financial planning, consolidating assets, and reviewing equity compensation. Since relocating to Los Angeles, he has acquired new connections within the firm and furthered his licensing pursuit by obtaining the Series 9, 10, and 65 licenses.
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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
Mark T Curtis
Managing Director, Stock Plan Director, Financial Planning Specialist, Family Wealth Director, International Client Advisor, Investing with Impact Director
Molly Sakahara, CFP®
Financial Planning Director, Assistant Vice President
About Molly Sakahara
Molly Sakahara is a vice president and financial planning director, serving Morgan Stanley Wealth Management offices in the greater Los Angeles area. She is responsible for helping financial advisors with their clients' and prospects' financial planning needs.
Molly began her career in financial services in 1999 and joined Morgan Stanley in 2015. Prior to her current position, she held positions in wealth management and private banking with an emphasis on helping individuals achieve long-term life goals and understanding clients’ value system in relation to their wealth.
Molly graduated from UCLA and holds her CERTIFIED FIANCIAL PLANNER™ designation, California insurance state licensing, and Series 7 and 65 licenses. She currently resides in South Pasadena, CA, with her spouse and two children.
DISCLOSURE:
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Molly began her career in financial services in 1999 and joined Morgan Stanley in 2015. Prior to her current position, she held positions in wealth management and private banking with an emphasis on helping individuals achieve long-term life goals and understanding clients’ value system in relation to their wealth.
Molly graduated from UCLA and holds her CERTIFIED FIANCIAL PLANNER™ designation, California insurance state licensing, and Series 7 and 65 licenses. She currently resides in South Pasadena, CA, with her spouse and two children.
DISCLOSURE:
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Morgan Stanley Wealth Management Financial Advisors can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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.
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.
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Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
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Creating customized financial strategies for the challenges that today’s families face.
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Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
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- Family Governance & Wealth Education
- Lifestyle Advisory
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
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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 South Bay Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
5Morgan 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.
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.
7When 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.
8Morgan 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
11Morgan 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.
12Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
13Morgan 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
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
16Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
17Morgan 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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
5Morgan 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.
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.
7When 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.
8Morgan 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
11Morgan 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.
12Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
13Morgan 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
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
16Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
17Morgan 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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
