Karen Simpson
Senior Registered Client Service Associate
Phone:
(419) 842-5333(419) 842-5333
Krista Girrbach, CFP®
Senior Vice President,
Financial Advisor,
Senior Portfolio Manager,
CERTIFIED FINANCIAL PLANNER®
Direct:
(419) 842-5316(419) 842-5316
My Mission Statement
Our mission is to help you achieve financial success. The stewardship of wealth and resources are important aspects of a meaningful life. We work to align strategies with personal goals and values, collaborating with you to simplify and care for all areas of your financial life.
My Story and Services
Krista Girrbach has been helping clients pursue their financial goals as a Financial Advisor since 1989. She is a Senior Vice President, CERTIFIED FINANCIAL PLANNER®. She is a qualified Senior Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing her own personalized and defined strategies.
Krista offers personalized wealth management strategies to affluent individuals and their families including but not limited to executives, retirees, doctors, farmers and business owners. She takes great pride in functioning as a boutique like business within the confines of one of the world’s leading wealth management and advisory companies. Krista helps clients create and maintain multi-generational wealth planning strategies based on each client’s financial goals and objectives. She believes every family should have the benefit of a group of dedicated financial advisors working together to provide a fully integrated approach to wealth management. Our clients entrust their financial future to us.
From a very young age, Krista was a great friend who listened and offered sound advice. Her friends trusted and knew that the conversation would remain confidential. Krista has always had a desire to help others succeed. She has great problem-solving skills and really enjoys talking through people’s concerns and creating viable potential solutions. Her personal mission is to help make a positive difference in the lives of everyone she meets. Krista grew up on a farm in Ida, Michigan where her family raised and showed World quality Appaloosa horses. Being raised on a farm taught Krista a great work ethic, responsibility, discipline, and other valuable life skills. Competing on a National circuit showing Appaloosa horses that her family bred and raised became a passion. Krista has won over 50 National and World Champion equestrian titles and numerous high point awards. When she began studying at the University of Michigan, she wanted to become a doctor to help people. She was active in the Sigma Kappa Sorority and served as the Philanthropy chair. Upon completion of her sophomore year, she competed and won the title of Miss Appaloosa America. This honor required Krista to take a year off from her studies at the University of Michigan to serve as an ambassador for the Appaloosa Horse Club all over the world! It was a wonderful experience which influenced Krista’s decision to pursue a career in business upon returning to the University of Michigan. Krista graduated with honors earning a Bachelor of Arts in Psychology.
Krista believes in giving back to her community. She is a member of the Adrian Kiwanis Club, has served as the President and currently serves on the board of directors of the Adrian Kiwanis Foundation. She is a member of Crossroads Community Church in Adrian and was previously on the ProMedica Bixby/Herrick Hospital Foundation Board and the Monroe County Humane Society Board. Krista has a strong faith, enjoys riding and showing her Appaloosa Horses, biking, hiking, boating, traveling and she loves spending time outdoors enjoying nature! Krista and her husband, Michael, have two children, Lori and Matthew. They live in the Irish Hills in Michigan and enjoy spending time at their home in De Tour Village in Michigan's beautiful Upper Peninsula.
Krista offers personalized wealth management strategies to affluent individuals and their families including but not limited to executives, retirees, doctors, farmers and business owners. She takes great pride in functioning as a boutique like business within the confines of one of the world’s leading wealth management and advisory companies. Krista helps clients create and maintain multi-generational wealth planning strategies based on each client’s financial goals and objectives. She believes every family should have the benefit of a group of dedicated financial advisors working together to provide a fully integrated approach to wealth management. Our clients entrust their financial future to us.
From a very young age, Krista was a great friend who listened and offered sound advice. Her friends trusted and knew that the conversation would remain confidential. Krista has always had a desire to help others succeed. She has great problem-solving skills and really enjoys talking through people’s concerns and creating viable potential solutions. Her personal mission is to help make a positive difference in the lives of everyone she meets. Krista grew up on a farm in Ida, Michigan where her family raised and showed World quality Appaloosa horses. Being raised on a farm taught Krista a great work ethic, responsibility, discipline, and other valuable life skills. Competing on a National circuit showing Appaloosa horses that her family bred and raised became a passion. Krista has won over 50 National and World Champion equestrian titles and numerous high point awards. When she began studying at the University of Michigan, she wanted to become a doctor to help people. She was active in the Sigma Kappa Sorority and served as the Philanthropy chair. Upon completion of her sophomore year, she competed and won the title of Miss Appaloosa America. This honor required Krista to take a year off from her studies at the University of Michigan to serve as an ambassador for the Appaloosa Horse Club all over the world! It was a wonderful experience which influenced Krista’s decision to pursue a career in business upon returning to the University of Michigan. Krista graduated with honors earning a Bachelor of Arts in Psychology.
Krista believes in giving back to her community. She is a member of the Adrian Kiwanis Club, has served as the President and currently serves on the board of directors of the Adrian Kiwanis Foundation. She is a member of Crossroads Community Church in Adrian and was previously on the ProMedica Bixby/Herrick Hospital Foundation Board and the Monroe County Humane Society Board. Krista has a strong faith, enjoys riding and showing her Appaloosa Horses, biking, hiking, boating, traveling and she loves spending time outdoors enjoying nature! Krista and her husband, Michael, have two children, Lori and Matthew. They live in the Irish Hills in Michigan and enjoy spending time at their home in De Tour Village in Michigan's beautiful Upper Peninsula.
Securities Agent: WI, MN, NY, NH, CO, WV, SC, PA, AZ, NV, NJ, KY, IL, OR, OH, ME, MA, LA, VA, TX, KS, CA, MS, AR, HI, AL, MD, OK, ID, IA, NM, MI, GA, FL, AK, TN, IN, WA, DC, NC, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 590876
NMLS#: 590876
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
We are Morgan Stanley Women Without Limits
We are a team that also loves to empower women who find themselves in decision making roles. Whether that be a single woman or mother, a divorcee or widow, or a happily married woman in charge of the finances, we want to assist you in education, resources and planning to help you navigate all things financial.
Monthly Spotlight: Morgan Stanley and the WTA: A Perfect Match
Morgan Stanley recently kicked off a new multiyear partnership with the Women’s Tennis Association. With a shared vision for fostering inclusivity and expanding access to the game of tennis, we’re excited to work together to accelerate our mutual commitment to driving progress for women in sports.
Learn more
Women and Wealth Fact Sheet
Women face unique financial challenges and the many roles they play- By exploring the things that really matter to you, you can identify your priorities, develop a strategy for potentially achieving your goals and keep on track as life unfolds.
Learn more
Access and Opportunity With Carla Harris
Inspiring change through informed and inclusive innovation. On Access & Opportunity, host Carla Harris, Senior Client Advisor at Morgan Stanley, explores the lived experiences of the people who face systematic inequities and sits down with founders, investors, developers, activists, and educators who are building a more equitable future today. Click to listen to the most recent episode!
Learn More
5 Pieces of Career Advice From Successful Women in Finance
Morgan Stanley women share how they are navigating through and thriving in the competitive world of financial services.
Learn More
Celebrating Women in Fashion
Morgan Stanley is proud to sponsor The Met Costume Institute’s exhibition Women Dressing Women .
The exhibition traces the lineage of influential women-led fashion houses from the 20th century to the present day.
Featured designers include household names, such as Coco Chanel and Tory Burch, as well as those whose contributions to fashion are not as well known.
Learn MoreThe exhibition traces the lineage of influential women-led fashion houses from the 20th century to the present day.
Featured designers include household names, such as Coco Chanel and Tory Burch, as well as those whose contributions to fashion are not as well known.
Embracing Equity This Women's History Month
Learn from Fina Perez and Samantha Woggon, Morgan Stanley Wealth Management leaders, as they share their thoughts on Women’s History Month.
Learn MoreThe ClearView Fusion Group
At The ClearView Fusion Group, we believe a long-term approach to financial success begins with a clear, personalized strategy rooted in your values, goals, and vision for the future. Everyone's life journey is unique, formed by their past, lived in the present which shapes, and inspires their future. This is why we take time to deeply understand your lifestyle, responsibilities, and aspirations to chart a path that can adapt to the changes in your life, helping to empower you to move forward with clarity, purpose, and confidence.
Together we not only manage wealth we build an enduring relationship rooted in mutual respect, communication, and understanding of your dreams, desires, and what you decide to be success. We seek to deliver value through a comprehensive approach based on strategic guidance, analysis, and metrics. No matter the stage of your financial journey, building wealth, navigating a transition, preparing for retirement, growing a business, or preserving a legacy, we strive to simplify the complex, reduce uncertainty, and provide the clarity and a level of comfort you deserve at each step.
With a commitment to transparency, innovation, and accountability, we transform complex financial information into actionable insights that enables a bold decision-making process. Backed by the teams cumulative century of financial experience and reinforced by Morgan Stanley's world-class resources, The ClearView Fusion provides those we serve and their families the guiding principles that can help grow and preserve their wealth across generations. Our purpose is to illuminate your path forward and help you unlock potential long-term opportunities through a strong, long lasting, relationship.
Krista L. Girrbach, CFP®
Senior Vice President
Senior Portfolio Manager
Financial Advisor
Office: (419)-842-5316
Corp Cell: (419)-270-9170
Allan M. Poturalski
Senior Vice President
Sr Portfolio Mgmt Director
Financial Advisor
Office: (419) 842-5353
Corp Cell: (567) 694-3012
Sanford “Ford” E. Bennett, CFP®
Senior Vice President
Senior Portfolio Manager
Financial Advisor
Office: (419) 842-5304
Corp Cell: (419) 349-3254
Karen D. Simpson
Senior Registered Associate
Office: (419) 842-5333
Stephanie Stahl
Senior Registered Associate
Office: (419) 842-5314
Lori Girrbach
Client Service Associate
Office: (419) 842-6518
Grant M. Sonnenberg
Client Service Associate
Office: (419)-842-6519
Corporate Cell: (419) 270-4099
Comprehensive Financial Planning
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, I can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, I can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
I can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources and provides a baseline for future discussions.
Using a suite of tools that includes goal-specific analysis, I can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
I can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources and provides a baseline for future discussions.
Managing Investments
I take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
Insurance
I take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
Retirement
Leading up to and through retirement, I help you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals.
Estate Planning Strategies
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. I regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2025 Federal Tax TablesWelcome to our life navigator
One of our goals is to help our clients navigate different life events. Here you will find a wide range of content and materials covering a variety of life events and milestones that you might face.
Birth
Welcoming a child into the family is a joyous occasion for everyone—for parents, grandparents, aunts, uncles, siblings, cousins and other extended family members. As a trusted advisor to our clients, we play a critical role in helping you plan and prepare for the financial components that a new child introduces into your lives—everything from planning for the costs associated with birth, adoption or surrogacy; anticipating unexpected medical expenses; understanding gifting requirements; preparing for child care and planning for educational expenses.
Click here for more information on preparing for educational expenses
Education
Education is a major investment and expense for most of our clients—one that often requires years of careful, advanced planning. As educational costs continue to rise—from primary education through undergraduate, graduate and professional schools—we can help you approach the range of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for your particular situations.
Click here to make financial literacy a family affair
Business/Work
Many of our clients have complex business arrangements, from executive-level employment situations to various levels of investment in a multitude of business ventures—from startups to established enterprises. As their Financial Advisor, we play a critical role in helping them navigate the complexities of business ownership, investment and associated activities such as selling, divesting or planning for succession.
Typically, we encounter three primary scenarios with our clients:
- Starting a business
- Funding a business
- Exiting a business
Click here to learn more about building a startupTypically, we encounter three primary scenarios with our clients:
- Starting a business
- Funding a business
- Exiting a business
Marriage
There are few events more exciting than when our client decides to align their life with the person they love. Of course, there are conversations you should have with your partner before tying the knot. One of the most important is about money—how you will make it, save it, spend it and invest it. In addition, helping fund an adult child’s wedding is a goal for many parents (and grandparents). As your Financial Advisor, we can play an important role in helping you plan for these milestones and guiding your conversations.
Click here for questions to ask your partner before you commit
Post-Career
Today's 65-year-olds have a high likelihood of living until their mid-80s, and it's not uncommon anymore to reach substantially beyond that. That means you need to plan for a retirement that will span two decades and potentially much more. Longer retirements are great outcomes, but also place a great deal of stress on a household’s finances. As your Financial Advisor, we make sure to put a plan in place so that you are able to take on any curveball retirement may throw at you.
Click here to learn more
Caregiving
Health care costs are rising—especially for retirees, and many will need long-term care. Learn the moves you can make to help prepare yourself.
Click here to learn more
Death
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including administration of the estate. Though it may be hard for individuals to talk about estate planning because of the heartache, addressing it promptly is crucial to saving both time and money, and to minimizing family conflict or confusion. Passing away without a will, known as intestacy, means the state determines how the deceased’s assets will be distributed, and this may not be consistent with the family’s wishes. Proceedings can also be painful and costly for the family.
We believe that is better to plan ahead to ensure that your wishes and your will are followed. A proactive approach to estate planning as a family is better than a reactive one.
Click here to learn moreWe believe that is better to plan ahead to ensure that your wishes and your will are followed. A proactive approach to estate planning as a family is better than a reactive one.
Location
7311 Crossleigh Court
Toledo, OH 43617
US
Direct:
(419) 842-5316(419) 842-5316
Meet My Team
Lori Girrbach
Wealth Management Associate, Client Service Associate
Phone:
(419) 842-6518(419) 842-6518
About Karen Simpson
Karen began her career in the Financial industry in 1987 in the securities department filing with Savage and Associates. She gradually learned more about the business, was given more duties, and obtained her Series 6 license. In 1997 she went on to Merrill Lynch where she obtained her Series 7 and 66 licenses.
She truly enjoys her work and was very happy to join Morgan Stanley in 2020. It is her pleasure to serve clients and help them reach their financial goals. She takes pride in adding valuable support to the Financial Advisor’s wealth management efforts. Working on the operational side of the business, she is often the first voice that you will hear. She is extremely knowledgeable, personable and skilled. Her goal is to render excellence in service and enhance the client’s experience with The Girrbach Team by providing client service and support of the highest quality.
With her credentials and passion she is sure to add value to the team as a Registered Client Service Associate. Customer Service driven, she focuses on helping clients and their families obtain financial independence and success.
Karen has always been very active in her church serving on different ministries through the years including: Bible Study Teacher, Praise Dance Instructor, Kid’s Bank Ministry, Hospitality Ministry, Tape Ministry and Children’s Story.
Karen is extremely family oriented and loves to spend quality time with family! When the family gets together they like to play games. She will often put a twist to games or even make up games and has been given the name “Milton Bradley.” She likes to put parties together and enjoys having everyone in her backyard. She will have a “back to school party”, “summer party”, “birthday party” or “diva deck party”, etc…she just needs a reason! One party that has become a tradition in her family is their annual Christmas Cookie Decorating Party where they eat, play games, decorate cookies and compete in a ginger bread house decorating contest. She just loves bringing her family together. In her spare time she enjoys scrap booking, exercising, and taking rides with her husband in their Sling Shot; a topless three-wheeled motor vehicle. Taking long rides is relaxing and lots of fun!
She resides in Toledo with her husband Lewis and daughter Courtney. She has 2 adult children, Lewie and Janell and 1 grandchild, Rodney III who brings her pure joy!
She truly enjoys her work and was very happy to join Morgan Stanley in 2020. It is her pleasure to serve clients and help them reach their financial goals. She takes pride in adding valuable support to the Financial Advisor’s wealth management efforts. Working on the operational side of the business, she is often the first voice that you will hear. She is extremely knowledgeable, personable and skilled. Her goal is to render excellence in service and enhance the client’s experience with The Girrbach Team by providing client service and support of the highest quality.
With her credentials and passion she is sure to add value to the team as a Registered Client Service Associate. Customer Service driven, she focuses on helping clients and their families obtain financial independence and success.
Karen has always been very active in her church serving on different ministries through the years including: Bible Study Teacher, Praise Dance Instructor, Kid’s Bank Ministry, Hospitality Ministry, Tape Ministry and Children’s Story.
Karen is extremely family oriented and loves to spend quality time with family! When the family gets together they like to play games. She will often put a twist to games or even make up games and has been given the name “Milton Bradley.” She likes to put parties together and enjoys having everyone in her backyard. She will have a “back to school party”, “summer party”, “birthday party” or “diva deck party”, etc…she just needs a reason! One party that has become a tradition in her family is their annual Christmas Cookie Decorating Party where they eat, play games, decorate cookies and compete in a ginger bread house decorating contest. She just loves bringing her family together. In her spare time she enjoys scrap booking, exercising, and taking rides with her husband in their Sling Shot; a topless three-wheeled motor vehicle. Taking long rides is relaxing and lots of fun!
She resides in Toledo with her husband Lewis and daughter Courtney. She has 2 adult children, Lewie and Janell and 1 grandchild, Rodney III who brings her pure joy!
About Lori Girrbach
Lori has a remarkable background in competitive equestrian sports. She was raised on a horse farm in the Irish Hills of Michigan, where she developed discipline, responsibility, and perseverance from an early age. Her passion for riding led her to compete nationally through the Appaloosa Horse Club. In 2017, after years of dedication and training, she earned her first World Championship title. By the end of her youth career, she had secured a total of 12 World and National Championships, along with multiple high point awards.
Lori earned her Bachelor of Arts in Business Administration from Adrian College in 2023. Graduating as a member of the Honors College, Lori also holds a minor in psychology, equipping her with valuable insights into client relationships, and communication. After graduation, Lori worked at Adrian College in the Financial Aid Office where she was promoted to Assistant Director during the summer of 2024. In this role, she helped students navigate the financial aspects of higher education, developing customized financial plans to support their academic goals. She assisted families in understanding various financial aid options, including grants, loans, scholarships, and work study programs. Lori assessed students’ financial needs and eligibility according to the federal, state, and institutional guidelines. Through her dedication and expertise, Lori played a crucial role in supporting students’ education journeys.
During college, Lori continued to pursue her love of equestrian sports as a student-athlete on the Adrian College Equestrian Team, competing in the Intercollegiate Horse Shows Association (IHSA). Beginning her junior year, she served as team captain, a role in which she led by example, mentored her teammates, and fostered a culture of excellence and teamwork. Lori was named the American Quarter Horse Association High Point Rider in her region during both her junior and senior years, earning invitations to compete at the prestigious IHSA Nationals against the top collegiate riders in the country. Lori continues to share her passion for equestrian sports today as an assistant volunteer coach for the Adrian College Equestrian Team. Her leadership experience, both in the arena and office, have shaped her ability to connect with clients, navigate challenges, and deliver meaningful results.
With a positive outlook and a passion for lifelong learning, Lori approaches her career as a Client Service Association at Morgan Stanley with the same dedication that defined her success in the equestrian world. Joining Morgan Stanley in 2025, she is committed to building strong, lasting relationships with clients and delivering service that makes a meaningful difference in their financial journeys. Lori brings a strong foundation in business administration and financial planning, along with a deep-rooted passion for helping others succeed. Her strong work ethic and dedication to service are evident in every interaction as she strives to provide personalized support to each client and help them pursue their financial goals with clarity and confidence. With her strong education background, leadership, and dedication to helping others, Lori is looking forward to making a lasting impact in the lives of clients.
Lori earned her Bachelor of Arts in Business Administration from Adrian College in 2023. Graduating as a member of the Honors College, Lori also holds a minor in psychology, equipping her with valuable insights into client relationships, and communication. After graduation, Lori worked at Adrian College in the Financial Aid Office where she was promoted to Assistant Director during the summer of 2024. In this role, she helped students navigate the financial aspects of higher education, developing customized financial plans to support their academic goals. She assisted families in understanding various financial aid options, including grants, loans, scholarships, and work study programs. Lori assessed students’ financial needs and eligibility according to the federal, state, and institutional guidelines. Through her dedication and expertise, Lori played a crucial role in supporting students’ education journeys.
During college, Lori continued to pursue her love of equestrian sports as a student-athlete on the Adrian College Equestrian Team, competing in the Intercollegiate Horse Shows Association (IHSA). Beginning her junior year, she served as team captain, a role in which she led by example, mentored her teammates, and fostered a culture of excellence and teamwork. Lori was named the American Quarter Horse Association High Point Rider in her region during both her junior and senior years, earning invitations to compete at the prestigious IHSA Nationals against the top collegiate riders in the country. Lori continues to share her passion for equestrian sports today as an assistant volunteer coach for the Adrian College Equestrian Team. Her leadership experience, both in the arena and office, have shaped her ability to connect with clients, navigate challenges, and deliver meaningful results.
With a positive outlook and a passion for lifelong learning, Lori approaches her career as a Client Service Association at Morgan Stanley with the same dedication that defined her success in the equestrian world. Joining Morgan Stanley in 2025, she is committed to building strong, lasting relationships with clients and delivering service that makes a meaningful difference in their financial journeys. Lori brings a strong foundation in business administration and financial planning, along with a deep-rooted passion for helping others succeed. Her strong work ethic and dedication to service are evident in every interaction as she strives to provide personalized support to each client and help them pursue their financial goals with clarity and confidence. With her strong education background, leadership, and dedication to helping others, Lori is looking forward to making a lasting impact in the lives of clients.
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
Kristopher Johnson
Private Banker
Joseph V. Portera
Private Banker
Carlos Cruz
Planning Associate
About Kristopher Johnson
Kristopher Johnson is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan and Ohio.
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.
Kristopher began his career in financial services in 2008 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Wealth Management Banking Advisor at Bank of America Merrill Lynch. He also served as a Wealth Management Lending Officer and Sales Trainer at Bank of America Merrill Lynch.
Kristopher is a graduate of the University of Michigan, where he received a Bachelor of Arts in Political Science, and Arizona State University’s W.P. Carey School of Business, where he received his Masters of Business Administration in Finance. He lives in Rochester, Michigan with his wife. Outside of the office, Kristopher enjoys exercising, watching sports, volunteering with local organizations, and spending time with family and friends.
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.
Kristopher began his career in financial services in 2008 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Wealth Management Banking Advisor at Bank of America Merrill Lynch. He also served as a Wealth Management Lending Officer and Sales Trainer at Bank of America Merrill Lynch.
Kristopher is a graduate of the University of Michigan, where he received a Bachelor of Arts in Political Science, and Arizona State University’s W.P. Carey School of Business, where he received his Masters of Business Administration in Finance. He lives in Rochester, Michigan with his wife. Outside of the office, Kristopher enjoys exercising, watching sports, volunteering with local organizations, and spending time with family and friends.
NMLS#: 630462
About Joseph V. Portera
Joseph Portera is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan.
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.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, Michigan. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
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.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, Michigan. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
NMLS#: 1260889
About Carlos Cruz
Carlos Cruz is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Carlos provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Florida International University and received the Financial Planning Specialist® designation from the College for Financial Planning. Carlos is originally from Miami, FL and currently resides in New York.
He earned his undergraduate degree from Florida International University and received the Financial Planning Specialist® designation from the College for Financial Planning. Carlos is originally from Miami, FL and currently resides in New York.
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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. Clients 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.
When 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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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.
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Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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. Clients 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.
When 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.
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CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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. Clients 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.
6When 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.
7Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Morgan 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.
9Morgan 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.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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. Clients 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.
6When 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.
7Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Morgan 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.
9Morgan 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.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)
