Richard Van Horn
Vice President, Financial Advisor
Phone:
(310) 543-0227(310) 543-0227
The Van Horn Hegardt Group at Morgan Stanley
Direct:
(310) 543-0227(310) 543-0227
Toll-Free:
(800) 221-8764(800) 221-8764
Our Mission Statement
We believe that financial success is not simply measured by monetary gains but the realization of one's aspirations and dreams. We are passionate about understanding our client's unique vision for their lives and working collaboratively to develop comprehensive strategies that align with their aspirations.
Our Story and Services
The Van Horn Hegardt Group is an experienced and dedicated financial advising team at Morgan Stanley, combining over 60 years of collective investment experience. With a personalized approach and a strong commitment to investment management, our team is here to guide you towards your financial goals.
John and Rick, the team’s seasoned financial advisors crossed paths at the Torrance branch many years ago. They have worked together throughout their entire careers, building a strong bond and a deep understanding of the financial markets. Recognizing their complementary strengths, John and Rick made the strategic decision to merge their books of business 17 years ago, forging a powerhouse partnership that has thrived ever since.
One of the keys to our success is our dedicated client service team, who has been an integral part of our operation since the beginning of our merger. They understand the importance of building strong relationships with our clients, ensuring that their needs are met promptly and effectively. With their unwavering commitment to excellence, our client service team plays a crucial role in our ability to provide top-notch service and support.
We are delighted to welcome Sean as the newest addition to our team. As a Financial Advisor Associate (FAA), Sean brings fresh insights and a passion for the industry. What makes Sean even more special is that he is John's son, marking a legacy of excellence and a deep commitment to serving our clients' best interests. Sean's drive and determination, combined with the wisdom passed down through generations, add a unique perspective to our team.
At The Van Horn Hegardt Group, we understand that each client has unique financial aspirations and challenges. With our extensive experience, personalized approach, and dedicated service team, we are committed to helping you navigate the complex world of finance and achieve your long-term financial objectives. Trust us to be your financial advisors, guiding you towards a confident future.
John and Rick, the team’s seasoned financial advisors crossed paths at the Torrance branch many years ago. They have worked together throughout their entire careers, building a strong bond and a deep understanding of the financial markets. Recognizing their complementary strengths, John and Rick made the strategic decision to merge their books of business 17 years ago, forging a powerhouse partnership that has thrived ever since.
One of the keys to our success is our dedicated client service team, who has been an integral part of our operation since the beginning of our merger. They understand the importance of building strong relationships with our clients, ensuring that their needs are met promptly and effectively. With their unwavering commitment to excellence, our client service team plays a crucial role in our ability to provide top-notch service and support.
We are delighted to welcome Sean as the newest addition to our team. As a Financial Advisor Associate (FAA), Sean brings fresh insights and a passion for the industry. What makes Sean even more special is that he is John's son, marking a legacy of excellence and a deep commitment to serving our clients' best interests. Sean's drive and determination, combined with the wisdom passed down through generations, add a unique perspective to our team.
At The Van Horn Hegardt Group, we understand that each client has unique financial aspirations and challenges. With our extensive experience, personalized approach, and dedicated service team, we are committed to helping you navigate the complex world of finance and achieve your long-term financial objectives. Trust us to be your financial advisors, guiding you towards a confident future.
Services Include
- Business Succession PlanningFootnote1
- Stock Plan ServicesFootnote2
- Business PlanningFootnote3
- Wealth ManagementFootnote4
- Professional Portfolio ManagementFootnote5
- Alternative InvestmentsFootnote6
- Retirement PlanningFootnote7
- Trust AccountsFootnote8
- Asset Management
- Endowments and FoundationsFootnote9
- Estate Planning StrategiesFootnote10
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 - The Van Horn Hegardt Group is here as your dedicated Financial advisors, committed to helping 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.
Together, we'll map out your personalized roadmap designed to not only achieve but also safeguard your goals. This framework establishes a crucial connection between your life aspirations and financial resources, serving as a foundation for ongoing discussions.
Initially, we'll help construct a strategic plan designed to alleviate decision fatigue, establish transparent investment categories, and create a roadmap forward. Our goal is to implement systems that automate as much as possible, ensuring a seamless financial experience.
Next, our team will collaborate with you to craft an investment portfolio that mirrors your unique values and aspirations. Beyond the numbers, we assist in gut-checking major life financial decisions, ensuring your chosen path resonates both intellectually and emotionally. By simplifying complexities, we strive to provide an elevated level of confidence, allowing you to channel your energy into what truly matters.
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.
Together, we'll map out your personalized roadmap designed to not only achieve but also safeguard your goals. This framework establishes a crucial connection between your life aspirations and financial resources, serving as a foundation for ongoing discussions.
Initially, we'll help construct a strategic plan designed to alleviate decision fatigue, establish transparent investment categories, and create a roadmap forward. Our goal is to implement systems that automate as much as possible, ensuring a seamless financial experience.
Next, our team will collaborate with you to craft an investment portfolio that mirrors your unique values and aspirations. Beyond the numbers, we assist in gut-checking major life financial decisions, ensuring your chosen path resonates both intellectually and emotionally. By simplifying complexities, we strive to provide an elevated level of confidence, allowing you to channel your energy into what truly matters.
2023 Tax Tables
This helpful resource outlines the 2023 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.
Access the 2023 federal tax tables
Managing Investments
We take care of your retirement accounts and other investments based on your desired level of risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and 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.
Insurance
We take an extremely close look at your financial profile to help 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.
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.
Retirement
Leading up to and through retirement, The Van Horn Hegardt Group 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.
OUR SUITE OF DIGITAL TOOLS...
The Van Horn Hegardt Group provides an extensive range of digital tools meticulously crafted to elevate every facet of your financial journey. Explore some of the technologies we offer our clients, along with resources designed to simplify intricate financial analysis and research into clear and easily digestible content
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allows you to manage your everyday finances from paying bills and sending money, to transferring funds and authorizing transactions with one click using eAuthorizations.
MSO
Total Wealth View
You and your Financial Advisor can now make more informed decisions with respect to your Morgan Stanley accounts by identifying opportunities and risks across your full financial picture. Add your external 401(k), checking/savings, brokerage accounts and more to Morgan Stanley Online to see all your finances in one place.
Aggregate Your Wealth
LifeView
Morgan Stanley’s LifeView® Financial Planning tool provides your Financial Advisor with more robust financial planning capabilities, while giving you an easier and more intuitive user experience.
Learn More About LifeView
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
Digital Vault
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online (MSO) may enroll in eDelivery.
eDelivery
Global Investment Committee on the Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
Read GIC On The Markets
Spending + Budgeting
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for you and your financial advisor to oversee trends in your financial life.
Start Using the Tool Today
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen Here
Morgan Stanley Ideas
Read our perspective on what's shaping the world today, and tomorrow. We cover topics ranging from health care, sustainability, macroeconomics and technology.
Explore Our ArticlesThe Van Horn Hegardt Difference
Rooted in a legacy of client-centric values, our seasoned team combines traditional wisdom with the contemporary insights to navigate the ever-evolving financial landscape.
Our enduring presence in the industry reflects not just a history of success, but a legacy of trust forged through years of dedicated service. As we look toward the future, The Van Horn Hegardt Group remains steadfast in its mission to deliver unparalleled financial guidance, ensuring our client's wealth journeys are not only well-managed but also deeply fulfilling.
Our enduring presence in the industry reflects not just a history of success, but a legacy of trust forged through years of dedicated service. As we look toward the future, The Van Horn Hegardt Group remains steadfast in its mission to deliver unparalleled financial guidance, ensuring our client's wealth journeys are not only well-managed but also deeply fulfilling.
1. We are committed to trust and service. We believe smart investing that reflects the goals and values of the client is the best way to help build wealth.
2. We’ve walked in your shoes. Our team has experience and we understand the nuances of your career arc and financial situation.
3. We take the weight from your shoulders. We help you prioritize your financial action items to relive you of the mental burden. We fiercely protect your time by leveraging modern, digital tools to streamline your experience and make monitoring your money easy.
4. Our team is easily accessible. If you are ready to develop a purposeful wealth plan which defines your money values, clarifies goals, and builds a road-map forward, please contact our team today.
Outlooks & Updates
We strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers in giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Global Investment Committee Weekly Research Report
The Global Investment Committee's Weekly Report provides an in depth look at markets, asset class performance and fixed income on a weekly basis.
GIC WeeklyGlobal Investment Committee on the Markets Monthly Report
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out the latest edition below:
GIC on the MarketsDevelop Your Retirement Roadmap
The path to your ideal retirement may have some twists and turns, but smart planning can help you reach your destination. Where are you in your retirement journey?
Learn MoreWhat Should I Do With My Money?
A podcast where real people get real answers from Financial Advisors to their most important questions about money.
Listen to the Latest Episode HereThoughts on the Markets
Each week, Mike Wilson, Chief U.S. Equity Strategist & Chief Investment Officer, offers his perspective on the forces shaping the markets and how to separate the signal from the noise. Listen to his most recent episode and check out those of his colleagues from across Morgan Stanley Research.
Listen to the Latest Episode HereLocation
21250 Hawthorne Blvd
Ste 650
Torrance, CA 90503
US
Direct:
(310) 543-0227(310) 543-0227
Toll-Free:
(800) 221-8764(800) 221-8764
Meet The Van Horn Hegardt Group
John Hegardt
Senior Vice President, Financial Advisor
Phone:
(310) 543-0225(310) 543-0225
Sean Hegardt
Financial Advisor
Phone:
(310) 543-0240(310) 543-0240
Sandra Allen
Senior Client Service Associate
Phone:
(310) 543-0228(310) 543-0228
About Richard Van Horn
Richard Van Horn is an esteemed Financial Advisor with a wealth of experience spanning over three decades. Rick's journey in the finance industry began after graduating from Boston College in 1967, where he laid a solid foundation for his future success.
For the past 31 years, Rick has dedicated himself to serving his clients, providing them with comprehensive financial guidance and support. His unwavering commitment to client service has made him a trusted advisor to many individuals and families seeking to secure their financial futures.
Rick's career took off at Dean Witter, where he honed his skills and developed a deep understanding of the financial landscape.
Beyond his professional endeavors, Rick finds joy in various hobbies. He is an avid tennis player, appreciating the physical and mental challenges the sport presents. Rick also enjoys playing bridge, engaging in the strategic and intellectual aspects of the game. These hobbies provide him with a well-rounded perspective and a refreshed mindset to serve his clients with clarity and focus.
Family is an essential aspect of Rick's life. He is happily married to his wife, Antoinette, who provides unwavering support and companionship throughout his journey. Their bond serves as a foundation for Rick's ability to connect with his clients on a personal level and understand the importance of family values in financial planning.
As a Financial Advisor, Rick believes in building long-lasting relationships with his clients based on trust, integrity, and open communication. He understands that each client's financial journey is unique, and he tailors his strategies to align with their specific goals and aspirations. Rick's extensive experience, combined with his compassionate approach, enables him to guide clients through complex financial decisions and help them achieve financial success.
Whether you are planning for retirement, seeking investment opportunities, or navigating through life's financial challenges, Rick is here to assist you. With his years of experience, unwavering dedication, and a genuine concern for his clients' well-being, Rick will work tirelessly to help you achieve your financial goals and build a confident future.
For the past 31 years, Rick has dedicated himself to serving his clients, providing them with comprehensive financial guidance and support. His unwavering commitment to client service has made him a trusted advisor to many individuals and families seeking to secure their financial futures.
Rick's career took off at Dean Witter, where he honed his skills and developed a deep understanding of the financial landscape.
Beyond his professional endeavors, Rick finds joy in various hobbies. He is an avid tennis player, appreciating the physical and mental challenges the sport presents. Rick also enjoys playing bridge, engaging in the strategic and intellectual aspects of the game. These hobbies provide him with a well-rounded perspective and a refreshed mindset to serve his clients with clarity and focus.
Family is an essential aspect of Rick's life. He is happily married to his wife, Antoinette, who provides unwavering support and companionship throughout his journey. Their bond serves as a foundation for Rick's ability to connect with his clients on a personal level and understand the importance of family values in financial planning.
As a Financial Advisor, Rick believes in building long-lasting relationships with his clients based on trust, integrity, and open communication. He understands that each client's financial journey is unique, and he tailors his strategies to align with their specific goals and aspirations. Rick's extensive experience, combined with his compassionate approach, enables him to guide clients through complex financial decisions and help them achieve financial success.
Whether you are planning for retirement, seeking investment opportunities, or navigating through life's financial challenges, Rick is here to assist you. With his years of experience, unwavering dedication, and a genuine concern for his clients' well-being, Rick will work tirelessly to help you achieve your financial goals and build a confident future.
Securities Agent: MO, NH, NC, NJ, NM, NV, NY, OH, OK, WA, VA, UT, TX, TN, SD, SC, PA, OR, AK, AR, AZ, CA, CO, CT, DC, FL, GA, HI, ID, IL, IN, KS, KY, MA, MD, MI, MN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282972
CA Insurance License #: 0B33423
NMLS#: 1282972
CA Insurance License #: 0B33423
About John Hegardt
John Hegardt is a seasoned financial advisor with a deep-rooted passion for the capital markets. Graduating from San Diego State University in 1992, he embarked on a remarkable career in the finance industry, leaving a lasting impact on his clients' financial well-being.
John's journey began at Dean Witter, where he honed his skills in investment management and client service. With the merger of Dean Witter and Morgan Stanley, he seamlessly transitioned to the renowned firm, bringing his extensive knowledge and commitment to delivering exceptional financial guidance.
For the past 29 years, John has been devotedly serving his clients, assisting them in navigating the complexities of wealth management with precision and care. His analytical approach to financial planning allows him to craft personalized strategies tailored to each client's unique goals and aspirations.
Beyond his professional endeavors, John enjoys various hobbies. He embraces the tranquility of paddle boarding, the thrill of fishing, and the art of grilling. Furthermore, his greatest joy comes from being a dedicated family man. John and his wife, Jennifer, have been happily married, and their three children, Josh, Sean, and Devyn, bring immense fulfillment to their lives.
John's journey began at Dean Witter, where he honed his skills in investment management and client service. With the merger of Dean Witter and Morgan Stanley, he seamlessly transitioned to the renowned firm, bringing his extensive knowledge and commitment to delivering exceptional financial guidance.
For the past 29 years, John has been devotedly serving his clients, assisting them in navigating the complexities of wealth management with precision and care. His analytical approach to financial planning allows him to craft personalized strategies tailored to each client's unique goals and aspirations.
Beyond his professional endeavors, John enjoys various hobbies. He embraces the tranquility of paddle boarding, the thrill of fishing, and the art of grilling. Furthermore, his greatest joy comes from being a dedicated family man. John and his wife, Jennifer, have been happily married, and their three children, Josh, Sean, and Devyn, bring immense fulfillment to their lives.
Securities Agent: CT, SC, AR, MA, IL, AZ, MD, IN, ID, WA, NC, CA, TX, SD, PA, NV, NM, KY, CO, OR, MI, DC, TN, FL, VA, UT, MN, KS, GA, AK, OK, NJ, NH, MO, HI, OH, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282765
NMLS#: 1282765
About Sean Hegardt
Sean Hegardt is a dedicated Financial Advising Associate at Morgan Stanley. Sean graduated from the University of Arizona in 2022, acquiring a solid educational foundation and demonstrating a genuine passion for investments. Sean brings a unique perspective to the financial industry, and we are thrilled to have him begin his journey here at Morgan Stanley.
Whether you are seeking to plan for the future, explore investment opportunities, or navigate complex financial matters, Sean stands ready to assist you. With his expertise and the collective wisdom from his team, he can provide invaluable guidance tailored to your specific requirements.
Beyond his professional pursuits, Sean finds joy and fulfillment in various hobbies. He prioritizes fitness and understands the importance of maintaining a healthy body and mind. Sean also enjoys sports, and has a passion for cooking, exploring the culinary arts and creating delicious meals for friends and family.
Sean brings a unique blend of enthusiasm, knowledge, and dedication. His eagerness to learn and grow in the industry, combined with the guidance and mentorship from their experienced father, positions Sean to provide exceptional service to our valued clients.
NMLS#: 2506434
Whether you are seeking to plan for the future, explore investment opportunities, or navigate complex financial matters, Sean stands ready to assist you. With his expertise and the collective wisdom from his team, he can provide invaluable guidance tailored to your specific requirements.
Beyond his professional pursuits, Sean finds joy and fulfillment in various hobbies. He prioritizes fitness and understands the importance of maintaining a healthy body and mind. Sean also enjoys sports, and has a passion for cooking, exploring the culinary arts and creating delicious meals for friends and family.
Sean brings a unique blend of enthusiasm, knowledge, and dedication. His eagerness to learn and grow in the industry, combined with the guidance and mentorship from their experienced father, positions Sean to provide exceptional service to our valued clients.
NMLS#: 2506434
Securities Agent: HI, MI, WA, NJ, NH, GA, AR, NV, IN, CT, OK, NC, MO, MD, KY, DC, CO, UT, NM, KS, ID, FL, AZ, OH, NY, CA, OR, TX, SD, AK, PA, MN, MA, IL, VA, TN, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 2506434
CA Insurance License #: 4334472
NMLS#: 2506434
CA Insurance License #: 4334472
Contact Richard Van Horn
Contact John Hegardt
Contact Sean Hegardt
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
Joy Quiza
Associate Private Banker
Molly Sakahara, CFP®
Financial Planning Director, Assistant Vice President
About Joy Quiza
Joy Quiza is an Associate Private Banker serving Morgan Stanley Wealth Management offices in California.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Joy began her career in financial services in 2007, and joined Morgan Stanley in 2021 as a Associate Private Banker. Prior to joining the firm, she was a Premier Banker II at Wells Fargo Bank, N.A.
Joy is a graduate of Centro Escolar University, where she received a Bachelor of Arts in Mass Communication. She lives in Los Angeles, California with her husband. Joy is the founder of Alexis Louise Quiza (ALQ) Children’s Foundation, and past president of the Filipino American Business Association of Glendale – Greater Los Angeles from 2018-2019. Outside of the office, Joy volunteers in various community events serving the AAPI community. She and her husband love to travel and enjoy the joy their daughter and three dogs bring in their lives.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Joy began her career in financial services in 2007, and joined Morgan Stanley in 2021 as a Associate Private Banker. Prior to joining the firm, she was a Premier Banker II at Wells Fargo Bank, N.A.
Joy is a graduate of Centro Escolar University, where she received a Bachelor of Arts in Mass Communication. She lives in Los Angeles, California with her husband. Joy is the founder of Alexis Louise Quiza (ALQ) Children’s Foundation, and past president of the Filipino American Business Association of Glendale – Greater Los Angeles from 2018-2019. Outside of the office, Joy volunteers in various community events serving the AAPI community. She and her husband love to travel and enjoy the joy their daughter and three dogs bring in their lives.
NMLS#: 642535
About Molly Sakahara
Molly Sakahara is an Assistant Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the 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 client’s value system in relation to their wealth.
Molly graduated from UCLA and holds her Certified Financial Planner® designation, California insurance state licensing, and Series 7 and 65. She currently resides in South Pasadena, California with her spouse and two children. Outside of work, she is a squash coach at PlayLA, a committee volunteer with UCLA Chancellor’s Society, is the founder and administrator of Buy Nothing Group for her local city, and serves on the Board of Directors for SoCal Squash Association.
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 client’s value system in relation to their wealth.
Molly graduated from UCLA and holds her Certified Financial Planner® designation, California insurance state licensing, and Series 7 and 65. She currently resides in South Pasadena, California with her spouse and two children. Outside of work, she is a squash coach at PlayLA, a committee volunteer with UCLA Chancellor’s Society, is the founder and administrator of Buy Nothing Group for her local city, and serves on the Board of Directors for SoCal Squash Association.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Van Horn Hegardt Group today.
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.
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.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Morgan Stanley 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.
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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
