My Story and Services

For more than 20 years, Kingman has been committed to his client’s financial success through meticulous planning and prudent investing. He prides himself in taking the time to gain a thorough understanding of his client’s lifetime goals and aspirations. Kingman understands that most financial plans are built around linear calculations. However, through experience he has learned that most client relationships are dynamic and that no one lives a “linear” life. Kingman is experienced in dealing with complex family dynamics, career and business challenges, health concerns, and special needs situations.

Kingman believes that a comprehensive plan should not only include wealth building and retirement income planning strategies but also address issues such as liability management. Topics such as mortgage debt, life insurance, college funding, longevity and long term care planning, business secession, wealth transition and protecting your legacy for the future are never overlooked.

Kingman is a native Californian from Castro Valley, California. His family owned a successful grocery business in the East Bay for over four decades. Growing up and working in the family business has not only provided him with a strong work ethic but a crucial understanding of what is required to build meaningful client relationships. He understands that only through accountability, open communication, trust, and transparency that both parties can achieve long lasting success. Kingman graduated from UC Santa Cruz with a double major in Biology and Environmental Studies. He also holds an Associate Investment Consultant (AIC) certification from the Wharton Business School at University of Pennsylvania. Kingman currently resides in San Ramon, California with his wife Mijean and children Madison and Mason, and their Maltese named Bella. He enjoys traveling with his family, snowboarding, fishing, obstacle course racing (Spartan) and grilling.
Services Include
  • Wealth Consulting
  • 401(k) Rollovers
  • 529 Plans1
  • Annuities2
  • Asset Management3
  • Certificates of Deposit4
  • Corporate Retirement Plans5
  • Estate Planning Strategies6
  • Financial Planning7
  • Life Insurance8
  • Long Term Care Insurance9
  • Retirement Planning10
  • Trust Accounts11
Securities Agent: CA, WA, VT, VA, TN, OR, OH, NY, NV, NJ, NC, MO, MD, MA, IL, ID, HI, FL, CO, AZ; Managed Futures; General Securities Representative; Investment Advisor Representative
NMLS#: 1278777
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Education and Licensing
  • Series 7, 31, 63, 65, Licensed Life, Health, and Long Term Care Insurance Licensed
  • University of California, Santa Cruz

Working With You

My work with you starts with one or more in-depth, exploratory meetings. I need to understand your unique financial situation so I can offer you the best possible advice and solutions.
  • When you work with me, you can expect that I will:
    Develop a comprehensive financial strategy based on your individual needs
    Substitute discipline for emotion in the investment process
    Adjust your holdings in response to new opportunities and risks
    Maintain strict financial objectivity and avoid conflicts of interest
  • I can also coordinate my work with other key members of your financial team, including your:
    Tax specialist
    Trust attorney
    Insurance professional
    Family office

Experience

1998 - Current: Morgan Stanley

    Client Service Team

    • Perlita Gudilano - Senior Registered Associate
      Perlita Gudilano is a Senior Registered Associate and Financial Planning Associate working with Kingman Lowe in Pleasanton, CA. Perlita graduated cum laude with a B.S. in Computer Science, major in Information Technology from Saint Louis University. Perlita has worked at Morgan Stanley for the past 9 years. She spent 8 years in pharmaceutical and technology related fields before joining the investment services industry in 2003.

    Location

    4309 Hacienda Drive
    Ste 200
    Pleasanton, CA 94588
    US
    Direct:
    (925) 730-3865(925) 730-3865
    Toll-Free:
    (800) 755-6650(800) 755-6650
    Fax:
    (925) 730-3880(925) 730-3880
    4309 Hacienda Drive
    Suite 200
    Pleasanton, CA 94588
    US
    Direct:
    (800) 834-4434(800) 834-4434
    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

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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
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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
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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
    • Retirement Plan Sponsors
    • Qualified Retirement Plans
    • Corporate Pension Funds
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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
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    Ready to start a conversation? Contact Kingman Lowe today.
    Market Information Delayed 20 Minutes
    1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

    2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    3Morgan 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.

    4CDs are insured by the FDIC, an independent agency of the U.S. Government, up to a maximum of $250,000 (including principal and accrued interest) for all deposits held in the same insurable capacity (e.g. individual account, joint account, IRA etc.) per CD depository. Investors are responsible for monitoring the total amount held with each CD depository. All deposits at a single depository held in the same insurable capacity will be aggregated for the purposes of the applicable FDIC insurance limit, including deposits (such as bank accounts) maintained directly with the depository and CDs of the depository.

    5Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

    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.

    7Morgan 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.

    8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    10Morgan 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.

    11Morgan 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.

    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.

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    The securities/instruments, services, investments and investment strategies discussed in this material may not be suitable 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”) 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.


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