Nayana Darrah
Assistant Vice President, Wealth Management Associate
Phone:
(831) 440-5272(831) 440-5272
Christine E. Ingesson, CFP®
Senior Vice President,
Financial Advisor,
CERTIFIED FINANCIAL PLANNER®,
Family Wealth Director,
Portfolio Management Director
Direct:
(831) 440-5264(831) 440-5264
Toll-Free:
(800) 488-3436(800) 488-3436
My Mission Statement
Christine believes that each client is unique and draws on 20 years of industry experience and education to develop unique investment plans. Christine is committed to the financial success of her clients, working primarily with high-net worth individuals and their families.
My Story and Services
With over 20 years of experience as a Financial Advisor at Morgan Stanley, I am dedicated to helping individuals, families, and businesses navigate the intricacies of wealth management. As a Certified Financial Planner® and Family Wealth Director, I specialize in personalized strategies that align with each client’s unique values and goals.
My approach involves building long term relationships centered around trust, transparency, and a deep understanding of each client’s financial landscape. Whether planning for retirement, managing generational wealth, or navigating major life transformations, I provide tailored advice to help my clients at every stage of their journey. My goal is to empower my client’s clarity and confidence as we work together towards their financial goals.
I look forward to the opportunity to partner with you on your financial journey.
My approach involves building long term relationships centered around trust, transparency, and a deep understanding of each client’s financial landscape. Whether planning for retirement, managing generational wealth, or navigating major life transformations, I provide tailored advice to help my clients at every stage of their journey. My goal is to empower my client’s clarity and confidence as we work together towards their financial goals.
I look forward to the opportunity to partner with you on your financial journey.
Securities Agent: TN, SD, PA, ND, MO, WV, NC, IA, GA, CO, CA, WY, WI, TX, NY, FL, UT, KS, NV, MI, MA, IN, ID, HI, DE, RI, MN, IL, NM, NE, KY, MT, AR, VA, SC, OR, OH, NH, MD, DC, AZ, AK, OK, NJ, LA, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1282578
CA Insurance License #: 0F60364
NMLS#: 1282578
CA Insurance License #: 0F60364
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
SOUND INVESTING PRINCIPLES VS. HUMAN NATURE
Have you heard the expression "buy low, sell high"? It applies to just about any investment, and saw my investors always look for opportunities where something seems to be selling for less than it's worth. So then why do investors sell off their investments when the market drops? Isn't that the perfect time to BUY, when prices are depressed (i.e.. "buy low")? Doesn't it make more sense to either hold on to an investment during a market correction, or even buy stocks during a bull market?
It makes logical sense, and yet even sophisticated investors rush to dump their stocks when the market goes down (i.e. "sell high"). Why?
Because they are acting on emotion rather than logic. They fear that the market will continue to drop and don't want to lose any more - even though they know that long-term, they should ignore the standard ups and downs of the market and stay the course.
In fact, while people are supposed to act in their own self-interest and make logical decisions, human beings are much more inclined to act emotionally when it comes to money - that's the core principle behind a school Of thought called Behavioral Investing.
I have studied the phenomenon Of Behavioral Investing and applied it to my wealth management practice. One Of the most important things I do for my clients is to provide a logical, systematic response to changing conditions - I provide a guiding hand during the regular market volatility that is almost certain to occur during any long-range investment cycle.
Emotions are part of being human. and we all respond to them. However. I work with my clients to be sure that they don't make investment decisions. or any other financial choice, based on emotions rather than logic.
It makes logical sense, and yet even sophisticated investors rush to dump their stocks when the market goes down (i.e. "sell high"). Why?
Because they are acting on emotion rather than logic. They fear that the market will continue to drop and don't want to lose any more - even though they know that long-term, they should ignore the standard ups and downs of the market and stay the course.
In fact, while people are supposed to act in their own self-interest and make logical decisions, human beings are much more inclined to act emotionally when it comes to money - that's the core principle behind a school Of thought called Behavioral Investing.
I have studied the phenomenon Of Behavioral Investing and applied it to my wealth management practice. One Of the most important things I do for my clients is to provide a logical, systematic response to changing conditions - I provide a guiding hand during the regular market volatility that is almost certain to occur during any long-range investment cycle.
Emotions are part of being human. and we all respond to them. However. I work with my clients to be sure that they don't make investment decisions. or any other financial choice, based on emotions rather than logic.
Location
6004 La Madrona Dr
Santa Cruz, CA 95060
US
Direct:
(831) 440-5264(831) 440-5264
Toll-Free:
(800) 488-3436(800) 488-3436
Fax:
(831) 440-5201(831) 440-5201
Meet My Team
Matthew Zepeda
Financial Advisor, Financial Planning Specialist
Phone:
(831) 440-5211(831) 440-5211
About Matthew Zepeda
Matthew joined Morgan Stanley in October of 2021 and plays an integral role on the team with Senior Advisor Christine Ingesson, CFP® & Family Wealth Director. He has a passion for financial planning and can help clients realize their financial goals through exploratory conversation, risk assessment, and on-going reviews. Matt's goal is to help every client feel empowered and to achieve their unique individual goals.
Clients enjoy working with Matt because he is generous with his time and embarks on the journey hand in hand with his clients. He has a caring demeanor that helps him most when working with families. For continuity of care, Matt especially enjoys working with younger generations and professionals helping them understand financial principles and the benefits of long-term investing.
Matt earned his Bachelor's degree from Loyola Marymount University in Los Angeles with a focus in Finance. Outside of work, Matt enjoys the outdoors and can be found in his free time playing pickleball or taking weekend trips with his friends. Matt was born and raised in Los Altos, in the heart of Silicon Valley, and has always been fond of the fast paced & innovative area that surrounds him.
Clients enjoy working with Matt because he is generous with his time and embarks on the journey hand in hand with his clients. He has a caring demeanor that helps him most when working with families. For continuity of care, Matt especially enjoys working with younger generations and professionals helping them understand financial principles and the benefits of long-term investing.
Matt earned his Bachelor's degree from Loyola Marymount University in Los Angeles with a focus in Finance. Outside of work, Matt enjoys the outdoors and can be found in his free time playing pickleball or taking weekend trips with his friends. Matt was born and raised in Los Altos, in the heart of Silicon Valley, and has always been fond of the fast paced & innovative area that surrounds him.
CA Insurance License #: 4236333
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
Lina Li
Private Banker
About Lina Li
Lina Li is a Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with 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.
Lina began her career in financial services in 2005, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, she was a Banking Advisor at Merrill Lynch. She also served as a Preferred Banking Office Manager at First Republic Bank and a Banking Center Manager at Bank of America.
Lina is a graduate of San Jose State University, where she received a Bachelor of Science in Business Administration with a Concentration in Accounting. She lives in San Jose, California with her family. Outside of the office, she enjoys reading, travelling, and spending time with family and friends. Lina dedicates her time to SCRITCH Kittens as Secretary, Adoption Counselor and foster.
Private Bankers partner with 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.
Lina began her career in financial services in 2005, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, she was a Banking Advisor at Merrill Lynch. She also served as a Preferred Banking Office Manager at First Republic Bank and a Banking Center Manager at Bank of America.
Lina is a graduate of San Jose State University, where she received a Bachelor of Science in Business Administration with a Concentration in Accounting. She lives in San Jose, California with her family. Outside of the office, she enjoys reading, travelling, and spending time with family and friends. Lina dedicates her time to SCRITCH Kittens as Secretary, Adoption Counselor and foster.
NMLS#: 1376901
Wealth Management
Global Investment Office
Portfolio Insights
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
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
Ready to start a conversation? Contact Christine E. Ingesson today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
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
CRC 6491812 (04/2024)
