Andrew Gall, CIMA®
Senior Vice President,
Wealth Advisor,
Family Wealth Director
Direct:
(415) 955-1596(415) 955-1596
My Mission Statement
Providing clients and families of substantial wealth with experienced insight to help clarify their financial lives.
My Story
For over two decades, Andrew has led a wealth management practice focused on serving the needs of families with significant wealth.
As a Family Wealth Director, Andrew is part of a select group within Morgan Stanley that coordinates the global expertise of the firm to help clients address the complex decisions that come with financial success.
Combining a clear strategy with action, Andrew guides clients to transform their aspirations into meaningful impact on the people, causes and pursuits that are important to them.
As a Family Wealth Director, Andrew is part of a select group within Morgan Stanley that coordinates the global expertise of the firm to help clients address the complex decisions that come with financial success.
Combining a clear strategy with action, Andrew guides clients to transform their aspirations into meaningful impact on the people, causes and pursuits that are important to them.
Services Include
- Wealth ManagementFootnote1
- Estate Planning StrategiesFootnote2
- Financial PlanningFootnote3
- Executive Financial ServicesFootnote4
- Endowments and FoundationsFootnote5
- Philanthropic Services
- Sustainable InvestingFootnote6
- Trust AccountsFootnote7
- Wealth Consulting
- Trust Services*
- Stock Option PlansFootnote8
- Business PlanningFootnote9
- Donor Advised Funds
Securities Agent: OR, AZ, LA, TX, SC, MI, CA, WI, NM, MN, WA, NV, MD, HI, VA, FL, DC, TN, NY, IL, MO, UT, DE, NC, CO; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1696803
CA Insurance License #: 0C97620
NMLS#: 1696803
CA Insurance License #: 0C97620
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience
The Wharton School - University of Pennsylvania, Certified Investment Management Analyst® (CIMA®)
University of Colorado at Boulder, B.S. Business (Finance, Economics)
Prior to joining Morgan Stanley, Andrew was based in the San Francisco office of UBS Wealth Management for 17 years. During his time at UBS, Andrew led his wealth management group as a Senior Vice President, Wealth Advisor and Portfolio Manager. Andrew has been an active member of the Investments & Wealth Institute for over 15 years.
Andrew has had a long service on the Board of Directors of the Guardsmen, a Bay Area non-profit founded in 1947 that is dedicated to providing opportunities for at-risk youth.
University of Colorado at Boulder, B.S. Business (Finance, Economics)
Prior to joining Morgan Stanley, Andrew was based in the San Francisco office of UBS Wealth Management for 17 years. During his time at UBS, Andrew led his wealth management group as a Senior Vice President, Wealth Advisor and Portfolio Manager. Andrew has been an active member of the Investments & Wealth Institute for over 15 years.
Andrew has had a long service on the Board of Directors of the Guardsmen, a Bay Area non-profit founded in 1947 that is dedicated to providing opportunities for at-risk youth.
Corporate Services
I am committed to providing workplace solutions utilizing the powerful Morgan Stanley at Work platform to help employees make difficult decisions when it comes to equity solutions.
If you have any questions or would like to discuss equity compensation strategies that may be right for you, let's schedule some time together.
If you have any questions or would like to discuss equity compensation strategies that may be right for you, let's schedule some time together.
Equity Compensation
Your equity compensation can play an important role as you build your personalized financial roadmap and work toward your objectives. Strategically using your proceeds may make it possible for you to meet certain milestones sooner, or provide more flexibility for your long-term plans.
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Understanding 10b5-1 Plans
10b5-1 plans can help executives and other insiders to meet their goals, particularly with regard to potentially diversifying holdings and reducing specific risks associated with concentrated positions.
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Corporate Retirement
Thoughtful planning and early saving can go a long way toward helping you achieve the lifestyle you want in retirement. Having a defined contribution plan, like a 401(k), 403(b) or 457, can make a difference in your overall retirement strategy
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Deferred Compensation
A Nonqualified Deferred Compensation (NQDC) plan can help eligible individuals fund major life events and achieve their financial goals. Because NQDC plans are unique, I can help provide personalized guidance, education and insights to help you make the most of your benefit.
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Stock Option and Restricted Stock Administration
Stock options can be an important part of your overall financial picture. Understanding what they are can help you make the most of the benefits they may provide. Restricted stock units are a promise to deliver shares of company stock to the holder upon vesting. If you have any questions relating to this, feel free to reach out and schedule a meeting.
Learn the difference between RSU's & Stock Options…
Pre & Post IPO Planning
If your company is going through a liquidity event, some advance planning on your part may help you get the most out of your equity compensation.
Click to learn moreFamily Wealth Director
As your family grows and your wealth increases, you may face a broader and more complex set of wealth management challenges. At Morgan Stanley, we have an elite group of Financial Advisors who earned the Family Wealth Director designation. It is given to those who have extensive experience working with Ultra High net Worth families, and who have undergone specialized training. Family Wealth Directors have direct access to an extensive range of resources needed to help highly affluent families manage the complex, multigenerational challenges of managing significant wealth. Andrew is among a select group of advisors that have obtained this designation.
- Maintaining family unity across generations, focusing on family mission, governance, conflict management and family endowments
- Helping ease administration burdens by managing some of the most complex aspects of your life
- Managing wealth with a long-term view and an unwavering focus on your family's interests
- Protecting your assets and planning for the efficient transfer of wealth to the pursuits, causes and people that you support
- Accessing specialized ultra high net worth resources and strategies tailored specifically to your needs and goals
Client Service Team
Nicole Lai - Portfolio Associate
Email:nicole.lai@morganstanley.com
Nicole Lai is a Portfolio Associate and helps deliver an outstanding service experience to the clients in our practice.
Nicole earned her bachelor's degree from the University of Wisconsin at Madison. Prior to joining Morgan Stanley, Nicole worked at UBS Wealth Management in San Francisco for nearly 7 years as a registered Client Services Associate.
Nicole earned her bachelor's degree from the University of Wisconsin at Madison. Prior to joining Morgan Stanley, Nicole worked at UBS Wealth Management in San Francisco for nearly 7 years as a registered Client Services Associate.
Location
555 California Street
35th Floor
San Francisco, CA 94104
US
Direct:
(415) 955-1596(415) 955-1596
2 Theatre Square
Suite 322
Orinda, CA 94563
US
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
A Simple Six-Step Retirement Checkup
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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
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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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
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Andrew Gall today.
1Morgan 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.
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 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.
3Morgan 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.
4Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
6Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan 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.
8Morgan 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.
9Morgan 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
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 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.
3Morgan 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.
4Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
6Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan 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.
8Morgan 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.
9Morgan 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
