The Ernie Garcia Group at Morgan Stanley

Contact Us
The Ernie Garcia Group


Making your most important goals our top priorities, we create comprehensive plans to help you achieve success on your terms

Our Story and Services

Our Story

At The Ernie Garcia Group, we are a tightly knit team of wealth management professionals who combine our talents to deliver an exceptional level of service to affluent families and individuals. By adding our insight and experience to the vast resources of Morgan Stanley, we help families like yours address every aspect of their financial lives. 

Providing access to sophisticated capabilities, we work to help you define and reach clear goals -- Protecting the wealth you worked a lifetime to create, educating your children and grandchildren, sustaining your lifestyle through retirement and transferring wealth efficiently to the people and organizations that have added meaning to your life.

We look forward to learning more about you, your family and your goals, and discussing how we can help you live the life you want to live.

Services Include

  • Financial Planning
  • Wealth Management
  • Municipal Bonds
  • Retirement Planning
  • Estate Planning Strategies
  • Sustainable Investing
  • 401(k) Rollovers
  • Annuities
  • Alternative Investments
  • Lending Products
  • Endowments and Foundations
  • Divorce Financial Analysis
  • Life Insurance
  • Trust Accounts

Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck.

Our Clients


Our clients are intelligent, hard-working people who have created comfortable lives for themselves and their families. They built successful careers or, more often, successful businesses. Some are still actively engaged in those efforts, and others have retired, sold their companies or passed them along to younger generations. They are active in their communities, devoted to their families and enthusiastic about their lives.

More often then not, we start working with new clients at a time of transition, whether that is a pending retirement or the arrival of a first child or grandchild. We work to understand the path they have taken, the challenges they are facing and the goals they have for the future. This ongoing conversation helps us create, implement and continually adjust the plans we create to help them live they lives they want to live, and leave the legacies they want to leave. 

How We Take Care of You

We follow a disciplined process to creating highly customized and truly comprehensive financial plans. This process begins with an in-depth review of your financial, insurance and estate documents, and an in-depth conversation about your needs, concerns and aspirations. The understanding we gain leads to a series of specific recommendations. These are likely to include adjustments to your investment portfolios, but may also involve ideas about your insurance coverage, estate planning, borrowing, budgeting and other aspects of your financial life.

We serve as go-to advisors for every client, eager to help them sort through any financial matter, or help in any other way we can. While situation is unique, we typically focus first on preserving client assets and generating the cash flow needed to sustain their lifestyles. When appropriate for our clients’ goals and risk tolerances, we take advantage of Morgan Stanley’s extensive alternative platform to help generate the cash flow our clients require.

Alternative 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 suitable only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

Complimentary Consultation

Call us today to schedule a brief phone call or visit to our office for a complimentary one hour review of your current financial portfolio and estate planning strategy.

No Pressure. No Commitment. Just solid advice.

Sample Financial Plan

Meet The Ernie Garcia Group


Making sure your philanthropic dollars are managed with the same best-in-class service as the rest of your wealth.

  • Endowments
  • Foundations
  • Donor Advised Funds
  • Impact Investing

Insights and Outcomes

Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.


Working with you to understand your life goals and develop a truly personalized wealth strategy.  Today and for the years to come.

  • 401(k) Rollovers
  • IRA Plans
  • Retirement income strategies
  • Annuities


Creating customized financial strategies for the challenges that today's families face.

  • Estate Planning
  • 529 Plans / Education Planning
  • Long Term Care Insurance
  • Trust Services and Accounting


Working closely with you to guide your wealth and investments through the most challenging market cycles.

  • Asset management
  • Traditional investments
  • Alternative Investments
  • Impact Investing

Business Planning

Partnering with you on key aspects of your business such as ownership, liquidity and developing opportunities.

  • Succession Planning
  • Business Planning
  • Retirement Plan Sponsors
  • Corporate Pension Funds

Ready to start a conversation? Contact The Ernie Garcia Group today.

Dow    41.60


Nasdaq    74.42


S&P 500    12.24

Market Information Delayed 20 Minutes

This 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: Any profiles and associated content are for U.S. residents only

*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.

Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

The securities/instruments, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website do not necessarily reflect those of Morgan Stanley.

Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management AnalystSM (with graph element)®, and Certified Investment Management AnalystSM .

*Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC

* Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.

Morgan 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

Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.

Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.

CRC 1369093   12/15

Awards Disclosures