My Story and Services

Krista Girrbach offers personalized wealth management strategies to affluent individuals and their families. Our clients include executives, retirees, doctors and business owners. We pride ourselves in functioning as a private boutique within the confines of one of the world’s leading wealth management and advisory companies. We help our clients create and maintain a multi-generational wealth plan based on each client’s financial goals and objectives. We believe every family should have the benefit of a group of trusted advisors working together to provide a fully integrated approach to wealth management. Our clients entrust their financial future to us. Our job is to help preserve, grow and when needed, distribute their wealth.
Securities Agent: TX, OH, MI, WI, TN, SC, PA, NY, NV, NH, NC, MO, MN, ME, MA, IN, IL, IA, GA, FL, CT, CO, CA, AZ; Managed Futures; General Securities Representative; Investment Advisor Representative
NMLS#: 590876
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Krista has been working as a financial advisor helping clients to achieve their financial goals since 1989. She is a First Vice President and a CERTIFIED FINANCIAL PLANNER ™ certificate, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Krista has also earned the designation of Chartered Retirement Planning CounselorSM and Chartered Retirement Plans Specialists. Krista is a qualified Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing her own personalized or defined strategies, which may incorporate individual stocks and bonds, Morgan Stanley model portfolios, and third-party investment strategies. When servicing clients through the firm’s Investment Advisory Program, a Portfolio Manager may manage her strategies on a discretionary basis. She graduated from the University of Michigan with a Bachelor of Arts degree in Psychology. Krista is a member of the Adrian Kiwanis Club, the President and serves on board of directors of the Adrian Kiwanis Foundation, St. Joseph Shrine Catholic Church and the ProMedica Bixby/Herrick Hospital Foundation Board. Krista and her husband, Michael, have two children, Lori and Matthew. They live in the Irish Hills in Michigan.

    Morgan Stanley's Reserved Living & Giving Program

    Reserved Living & Giving is a complimentary loyalty program, with over 50 offers and discounts from premier brands, designed to enhance your lifestyle beyond traditional wealth management services. The program provides access to exclusive partner offers, insights from Morgan Stanley thought leaders and inspiring philanthropic stories.

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    Asset Aggregation

    You may have bank accounts, brokerage accounts, insurance policies and retirement plans scattered across financial institutions. Wouldn’t you like to see your full financial picture in one place? Morgan Stanley can help.

    As a Morgan Stanley client, you can use Asset Aggregation to organize all of your account data in one location, regardless of where your accounts are held, giving you an integrated view of your financial picture.
    Asset Aggregation offers:

    CONVENIENCE – Enroll all of your accounts – including investments, retirement plans, loans, banking and credit cards – so you can view your entire financial life right from our online site.

    CLARITY – Obtain a holistic view of your wealth picture. You and your Financial Advisor can better assess where you stand on: your total net worth, alignment of your financial resources to your financial plan or analysis, and your risk and diversification.

    SECURITY – Understand that your privacy is protected with the strictest attention to security and confidentiality through comprehensive multifactor authentication and the strongest data encryption available.

    Asset Aggregation can provide you with a current, comprehensive understanding of your overall financial situation – putting you in a better position to implement your wealth management strategy and your Financial Advisor in a better position to deliver personalized financial strategies to help you protect and grow your wealth.

      Client Service Team

      • Theresa Miller - Senior Client Service Associate
        Theresa began her career in the financial services industry in 1989. Theresa handles the day to day operations of running the business along with all administrative functions and duties with personal care and first-class service. Often the first point of contact, Theresa assists clients with a wide breadth of daily needs, ranging from statement reviews, client online access, to assistance with banking needs. Theresa coordinates our service model. Theresa's extensive experience includes, but is not limited to, client service, retirement planning, estate planning services, and credit management. Theresa is married to Rick and has three grown children and four grandchildren. She resides in Maumee.

        Phone: (419) 842-5333



      7311 Crossleigh Court
      Toledo, OH 43617
      (419) 842-5316(419) 842-5316
      Investment and Market Perspectives

      On the Markets


      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.


      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
      Investing in Artificial Intelligence and Automation

      Investing in Artificial Intelligence and Automation

      AI is an exciting growth area, but the investing opportunities are not always obvious. Here’s how to integrate this theme into your portfolio.


      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
      From Clueless to Clued In: Teaching Teens About Money

      From Clueless to Clued In: Teaching Teens About Money

      As your children grow into young adults, you can help them learn how to manage their own finances. Here’s how to go about it.

      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
      Facing Financial Stress? Your Employer May Be Able to Help

      Facing Financial Stress? Your Employer May Be Able to Help

      Many of us face money worries. You may be able to get advice and education from an unexpected source.


      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
      Choosing an Environmental Charity

      Choosing an Environmental Charity

      There are a multitude of non-profits dedicated to helping protect the environment. Here’s how to choose where you want to give.

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      Sign Up for eDelivery

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      Reserved | Living & Giving

      Reserved | Living & Giving

      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.
      Learn more about Reserved | Living & Giving
      Your Financial World. On the Go.

      Your Financial World. On the Go.

      With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
      Learn more about Your Financial World. On the Go.
      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.
      Learn more about Access Morgan Stanley Online
      Ready to start a conversation? Contact Krista Girrbach today.
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