Ken Rosenberg, CFP®, CIMA®
Executive Director,
Wealth Advisor,
Family Wealth Director
Direct:
(408) 861-2037(408) 861-2037
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
I grew up in Sylmar, California, attended UC Irvine and Purdue Universities where I earned my BA in Social Sciences and my MBA in Information Technology respectively. In 1997, I moved to Mountain View with my family.
My commitment to the community is highlighted by my former role as the Mayor (and council member), for the City of Mountain View. Additionally, I served as Chair of the Human Relations Commission of Mountain View, Chair of the Board for the Mountain View Chamber of Commerce, Executive Board member for Peninsula Youth Theatre, and Chairman of the Old Mountain View Neighborhood Association.
Outside of the office I enjoy racquetball, skiing, running, movies, and spending time with my family.
As your Financial Advisor, I can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. My clients include high net worth individuals and their families, business owners, authors, attorneys medical professionals,, as well as budding Silicon Valley entrepreneurs. Working together, I can help you to preserve and grow your wealth. You have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
My commitment to the community is highlighted by my former role as the Mayor (and council member), for the City of Mountain View. Additionally, I served as Chair of the Human Relations Commission of Mountain View, Chair of the Board for the Mountain View Chamber of Commerce, Executive Board member for Peninsula Youth Theatre, and Chairman of the Old Mountain View Neighborhood Association.
Outside of the office I enjoy racquetball, skiing, running, movies, and spending time with my family.
As your Financial Advisor, I can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. My clients include high net worth individuals and their families, business owners, authors, attorneys medical professionals,, as well as budding Silicon Valley entrepreneurs. Working together, I can help you to preserve and grow your wealth. You have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Long-term Care InsuranceFootnote1
- Planning for Individuals with Special Needs
- Retirement PlanningFootnote2
- Alternative InvestmentsFootnote3
- 401(k) Rollovers
- Wealth ManagementFootnote4
- UGMA/UTMAFootnote5
- Trust AccountsFootnote6
- Structured ProductsFootnote7
- Financial PlanningFootnote8
- Executive Financial ServicesFootnote9
- Asset Management
- Cash ManagementFootnote10
Securities Agent: RI, MD, AR, NH, MN, TX, FL, CO, NJ, MS, GA, CA, KY, IL, WA, CT, WY, SD, OH, DC, AZ, VA, PA, OR, NY, NV, NM, NC, MA, IN, HI, TN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1272705
CA Insurance License #: 0D91285
NMLS#: 1272705
CA Insurance License #: 0D91285
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Holistic Approach
I can assist you with a specific financial requisite or develop a comprehensive strategy that considers every element of your financial needs and desires. My approach examines your wealth from all angles. This results in solutions that are not only intended to help you attain your financial goals but creates the potential to surpass them and protect against unexpected life events.
Discovery and Goal Setting
We begin with an in depth conversation to clarify and determine your wants, needs, and values. It is critical for me to fully comprehend all aspects of your life that influence your financial decisions and goals. Everyone is unique, so every financial plan should be as well.
Analysis, Strategy, and Planning
We use a variety of financial planning and risk analysis tools to perform a thorough review of your financial status. We then create a thorough financial strategy that will assist you in creating, protecting, and transferring wealth in accordance with you goals.
Implementation
We will then start implementing the additional techniques we described in your plan once they are in line with your investment strategy.
Ongoing Monitoring
Maintaining and strengthening our relationship is of top priority. We keep in touch with you frequently to give you account updates. Additionally, we track your progress toward each of your objectives and modify your financial strategy as necessary as things change in your life.
Our Services
Financial Planning
The Morgan Stanley Wealth Management Process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
Retirement Planning
This is paramount to ensuring a successful retirement. We bring an intense focus to this process. You have worked hard to get here. We will work hard to help you live the retirement you have always dreamed of.
Cash Management and Lending Products
As a Morgan Stanley client, you have access to a comprehensive suite of cash management solutions. This includes eAuthorizations, Bill Pay, Morgan Stanley Debit Cards and more.
Asset Management
Based on your goals, assets and input, we create an investment strategy tailored to your unique needs.
Estate Planning Strategies
Estate planning is the process of making arrangements to pass down wealth and assets after a person's death. Proper estate planning gives careful consideration to the estate owner's future plans, preferences and goals. The tax implications of the plan should also be thoroughly documented.
529 Plans
529 Plans offer a tax-advantaged way to help save for education. Any U.S. resident over 18 can open or contribute to a 529 Plan account, whether it's a parent, grandparent, other relative or even a family friend.
Planning Your Family's Financial Needs
Intergenerational Wealth Planning
Highly-skilled accountants and estate attorneys are vital to constructing sound wealth-transfer plans, but sometimes it is the matters these experts cannot address that pose the greatest challenges.
Click here to learn more
Tax Management
The tax decisions you make today can help you save for years to come. There are many tax smart strategies for your financial plan.
Click here to learn more
Trust & Estate Planning
We are with you every step of the way. We analyze your tax and estate structures so that their characteristics are accurately incorporated in the asset allocation analysis preformed for our clients.
Click here to learn more
Philanthropic Planning
Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives, however, can be challenging when there are so many worth causes with so many unmet needs.
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Sustainable Investment Solutions
Morgan Stanley partners with clients and stakeholders to mobilize capital at scale for a sustainable, low-carbon economy. My goal is to deliver environmental, social and governance (ESG) solutions that reduce risk, enhance value and expand the frontiers of sustainable finance.
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Wealth Education
Financial Literacy means being empowered with the knowledge to make smart financial decisions during every stage of life. Discussing family finances is always important, but not always easy. Starting the conversation is a key step in long-term wealth planning.
Click here to learn moreFamily Wealth Management
As Family Wealth Advisors, we deliver the resources and knowledge needed to implement highly customized wealth management plans that address the full spectrum of your financial life. Collaborating with your tax and legal advisors, your plan will encompass investment strategy; tax, trust services and estate planning strategies; risk management; philanthropy; banking; and day-to-day cash management. If needed, we can also provide guided access to our firm’s institutional resources. Most importantly, we provide counsel on the important decisions in your life, not only considering how they impact your net worth, but how they may impact the health, happiness and harmony of your family for generations to come.
Our highly disciplined process includes:
Our highly disciplined process includes:
Balance Sheet and Cash-Flow Needs
We review both sides of your personal balance sheet to help you establish financial strategies that can meet your lifestyle spending needs while also planning for long-terms risks and/or liabilities that may arise from your financial circumstances. This includes an analysis of all your investments, those held at Morgan Stanley as well company-based retirement accounts, real estate, employer stock options, and closely held businesses or family limited partnership units.
Explore Morgan Stanley's Cash Management and Lending SolutionsTrusts, Estate and Wealth Transfer Strategies
We help answer questions like: Does your current estate plan do what you want it to do? Does it protect your heirs from excessive taxation and the possibility of family conflict? Are you maximizing the impact you can make on the causes that you and your family care about? We can then work with your estate planning attorney, tax advisor and other Morgan Stanley professionals to refine your plan, if necessary, and help make certain your plan covers virtually all contingencies.
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.
Watch Morgan Stanley's New Estate Planning Video SeriesMorgan 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.
Family Governance and Dynamics
As CFO for not only you but your entire family, we take a close look at your family’s unique dynamics and how you can best prepare your children and grandchildren for the legacy they will one day manage. In the event of divorce, disability or the passing of a spouse, our clients often count on us to help relieve them of burdens they may not be prepared to assume on their own.
Learn More About Morgan Stanley's Family Legacy and Governance InstitutePhilanthropic Goals
Providing access to our firm’s philanthropy management specialists when needed, we can help you define clear philanthropic goals and develop a robust strategy to help maximize your impact. This may include:
• Identifying best-in-class nonprofits in your areas of interest
• Selecting the charitable structures best suited to your needs
• Securing nonprofit board placements that complement your passion
• Finding ways to involve children and other family members in your giving
Learn More About Our Highly Disciplined Process• Identifying best-in-class nonprofits in your areas of interest
• Selecting the charitable structures best suited to your needs
• Securing nonprofit board placements that complement your passion
• Finding ways to involve children and other family members in your giving
Client Service Team
Angela Mende - Senior Registered Associate
Phone:
(408) 861-2040(408) 861-2040
Email:Angela.Mende@morganstanley.com
Location
20400 Stevens Creek Blvd
Ste 350
Cupertino, CA 95014
US
Direct:
(408) 861-2037(408) 861-2037
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
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
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
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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact Ken Rosenberg 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.
1Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Alternative 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 appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 (“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.
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.
8Morgan 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.
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.
10Morgan 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
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
1Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Alternative 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 appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 (“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.
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.
8Morgan 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.
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.
10Morgan 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
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)
