Personal Statement

Whether you are managing wealth for your family, or investment portfolios for an organization, you are overwhelmed with sources of information; filtering it, to determine what applies to you, or your organization, can be difficult and time consuming. Working with me will help bring clarity and simplicity to this process. Many families seek strategies to:•Effectively utilizing your wealth throughout your lifetime for an income stream while minimizing taxes•Integrating and coordination your various investment accounts to align with your needs •Planning for its proficient distribution – including planned gifting to a favored charity For organizations such as unions, businesses, and non-profits, I can bring an important level of guidance. Stewardship for your organization’s funds often involves both financial and legal repercussions for the board, finance, and/or investment committee members. To mitigate this risk, I can you guide you through the following:•Reviewing your existing investment policy statement (IPS) •Helping to align the various investments accounts with the liquidity needs, and longer term growth needs of your organization.•Managing your organization's portfolio through market volatility with a focus on the needs and objectives for particular blocks of fundsWealth management is not a one-time event, but rather an ongoing process. The first step is to develop a plan with you, and collaborate with your team of affiliated professionals, such as your CPA, attorney, trustees, your board of directors, or others, to help manage and resolve various financial challenges as the future becomes the present.If this is the type of clarity and guidance and is what you have been looking for, I encourage you to contact me for a consultation Karen.Varnhagen@morganstanley.com (415) 984-6763
Securities Agent: CA, WA, VA, TX, TN, OR, NY, NV, NJ, NH, MT, MO, MI, MD, MA, IL, ID, IA, HI, FL, CO, AZ, AL; Managed Futures; Transactional Futures/Commodities; General Securities Representative; Investment Advisor Representative
NMLS#: 1312747
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Location

555 California St
35th Floor
San Francisco, CA 94104
US
Direct:
(415) 984-6763(415) 984-6763
Toll-Free:
(800) 289-9060(800) 289-9060
Fax:
(415) 651-8985(415) 651-8985
Investment and Market Perspectives

On the Markets

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
The Simple Six-Step Retirement Checkup

The Simple Six-Step Retirement Checkup

Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

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
Five Smart Strategies to Use a Bonus or Raise

Five Smart Strategies to Use a Bonus or Raise

Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

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
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Financial Transition: A Guide for Women

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Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
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Sign Up for eDelivery

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With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
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Access Morgan Stanley Online

Access Morgan Stanley Online

Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
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Ready to start a conversation? Contact Karen Varnhagen today.
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