Winson Xie, ChFC®
My Mission Statement
Winson Xie
Why I am a financial advisor:
I made the decision to build my career in the financial services industry in 2008 during financial crisis. Watching the stories of individuals and families who suffered severe financial losses due to a lack of risk awareness and limited knowledge of financial and investment principles made a lasting impact on me. I realized then that helping others secure their financial futures was not only a lifelong career, but also my life's purpose.
Throughout this journey, I have truly enjoyed my work, especially the opportunity to build trusted relationships with remarkable individuals and families. It's incredibly rewarding to support my clients as they achieve financial goals and pursue their dreams.
Philosophy:
My philosophy is rooted in helping you achieve your financial goals. I believe that true financial success is measured by accomplishing your objectives, rather than solely focusing on market returns. Through comprehensive planning and disciplined strategies, I aim to keep you on track, regardless of market fluctuations.
Background:
I was born in China and imigrated to the US in my 20s. Being fluent in Chinese-Mandarin and possessing extensive knowledge about Asian cultures and family dynamics, I understand the specific financial needs and challenges that individuals and families from this region face. My personal life revolves around reading, travelling, and cherishing time with my family.
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Retirement PlanningFootnote3
- Planning for Education FundingFootnote4
- Trust AccountsFootnote5
- Cash Management and Lending ProductsFootnote6
- Structured ProductsFootnote7
- AnnuitiesFootnote8
- Life InsuranceFootnote9
- Long Term Care InsuranceFootnote10
NMLS#: 1832963
CA Insurance License #: 0H89763
My Clients typically are:
- Established couples who are actively building their family wealth and planning for their children's futures.
- Busy professionals who are highly successful in their fields and prefer to delegate their financial and investment management to a trusted advisor.
- Individuals nearing retirement who worked hard throughout their careers and want to ensure a secure a cash flow and financial stability for their retirement life.
- Retirees who seek to minimize financial stress, simplify their financial lives, and have more time to enjoy with loved ones.
- Individuals receiving an inheritance who are looking to re-evaluate their financial plans and find solutions that align with their personal goals.
- Experienced investors who are interested in exploring advanced investment Streategy to further diversify their concentrated risks.
BELIEVING THAT IN EVERY PROBLEM, THERE IS ALWAYS A BEST SOLUTION.
With so much information available at your fingertips today, I realized it can be confusing to know what advice to follow and where to turn, often leaving you with more questions than answers. Knowing your unique challenge and identifying the suitable solution to implement is the value I provided. That is why we start our relationship with a conversation for understanding your concerns.
We provide comprehensive financial planning to help you define your financial goals, assess your current financial situation, and develop a tailored strategy to achieve long-term financial success. My goal is to give you clarity and confidence in your financial future.
Achieving your financial goals requires a well-structured, diversified investment portfolio. Through careful asset allocation, active management, and tax efficient strategies, we focus on optimizing growth while managing risks and minimizing tax liabilities. We continually monitor and adjust your portfolio to adapt to market changes, and ensure your investments stay aligned with your financial goals.
For clients holding large positions in a single stock or asset, we provide strategies to manage risk, minimize tax consequences, and diversify your portfolio without sacrificing growth potential.
We provide solutions to help you access cash quickly by using your investments as collateral. This strategy allows you to secure a loan while keeping your investment portfolio intact, maintaining its growth potential. It offers a flexible way to meet immediate financial needs without disrupting your long-term financial strategy.
We help you create a sustainable retirement cash flow through strategies like annuities and fixed-income solutions. These approaches aim to provide a steady income stream while managing risks like inflation, market volatility, and longevity.
We design customized strategies to fund your children's education, balancing current cash flow with long-term growth. We help you navigate tax-efficient savings options like 529 plans and other investment vehicles.
Supporting the communities you care about can be both meaningful and financially beneficial. Whether it's routing donations or larger charitable contributions, we help you structure your giving in a way that maximizes potential tax benefits, making your generosity as effective as possible.
Advanced Technology, Smarter Wealth Management
Morgan Stanley wealth management combines cutting-edge technology with personalized financial strategies. Our comprehensive digital tools and solutions provide a seamless and transparent experience. With a strong focus on cybersecurity and tax efficiency, we help you manage and grow your wealth with confidence and convenience.
Digital Vault lets you securely and conveniently manage and share life's most important documents, such as financial statements, authorizations, tax filings, and other relevant files.
Safeguarding your assets and personal information is among our highest priorities. Morgan Stanley makes a significant annual investment in cybersecurity so we can be on guard 24/7, 365 days a year.
Client Service Team
Location
Hear From My Clients
Verified ClientVerified ClientVerified ClientVerified ClientVerified ClientVerified ClientVerified ClientVerified ClientVerified ClientVerified ClientTestimonial(s) are solicited by Morgan Stanley Wealth Management Canada and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
3846129 9/24
Portfolio Insights
Retirement
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Philanthropy
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan 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.
6Morgan 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
7Structured 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
