My Story and Services

Our goal is to help our clients reach their financial goals through thoroughly understanding their financial needs and then aligning the resources to help them meet or exceed them. We can help our clients evaluate near-term concerns and plan for long-term goals, be a sounding board for investment ideas, assist them in developing and executing a strategy that is precisely their own and helps them meet their needs.
Services Include
Securities Agent: WA, WY, CA, AZ, NV, VA, VT, OR, NC, FL, DE, NM, TX, NY, KS, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1791999
CA Insurance License #: #0A46046
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Your Financial Future, Planned with Purpose

Tab Image
    Icon Image
    Financial Planning
    The Morgan Stanley Wealth Management Process begins with you, your investment objectives, and your financial aspirations. A holistic approach to managing your financial life, ensuring your investments, savings, and cash flow align with your goals.
    Icon Image
    Retirement Planning
    From IRAs to personalized savings strategies, we help you plan for the retirement lifestyle you envision. Whether you’re just starting to save or approaching retirement, we focus on aligning your investments with your goals, providing financial security and peace of mind.
    Icon Image
    Estate Planning Strategies
    Ensure your wealth is passed on according to your wishes. We help structure your estate plan while considering taxes, beneficiaries, and long-term goals.
    Icon Image
    Education Planning
    We guide you through savings strategies and investment options to fund education expenses at every stage.
    Icon Image
    401(k) Rollovers
    Have a 401(k) from a previous job? We streamline the rollover process, consolidating your assets for easier management and optimized growth.
    Icon Image
    Asset Management
    We design an investment strategy tailored to your goals, assets, and financial needs, helping you build and preserve wealth.
    Icon Image
    Cash Management Solutions
    As A Morgan Stanley client, you have access to a full suite of cash management tools, including eAuthorization, Bill Pay, and debit cards, designed to simplify your day-to-day finances.
    Icon Image
    Long-Term Care Insurance
    Plan ahead for future care needs. We can help protect your assets from high medical costs that may not be covered by standard insurance.
    Icon Image
    Life Insurance
    Protect your loved ones with the right life insurance policy. We can help you navigate the complexities of choosing coverage that provides financial security when it’s needed most.
    Icon Image
    Annuities
    Annuities provide a tax-deferred way to grow your savings and secure steady income in retirement. We’ll help you explore options that fit your long-term needs.

Your Financial Toolkit

Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
    Icon Image
    Morgan Stanley Online
    Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
    Learn More About MSO
    Icon Image
    GIC Weekly Research Reports
    The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
    Read The Latest Report
    Icon Image
    Online Security Center
    At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
    Learn More About Online Security Center
    Icon Image
    On The Markets Research Reports
    Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more
    Read The Latest Report
    Icon Image
    Total Wealth View
    Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
    Learn More About Total Wealth View
    Icon Image
    Private Banking Brochure
    As a valued Morgan Stanley client, you are eligible to take advantage of our comprehensive and competitive suite of cash management and lending solutions.
    View The Brochure
    Icon Image
    Goals Based Planning
    Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
    Learn About Our Planning Tools
    Icon Image
    Thoughts On The Market Podcast
    With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
    Check Out The Latest Episode

Giving Back & Making an Impact

At the heart of financial planning is the ability to create a lasting impact—not just for ourselves, but for our communities. Philanthropy is an important part of my life, and when I’m not helping clients plan for their future, I’m dedicating my time to causes that matter.

Whether it’s supporting local charities, volunteering, or helping clients incorporate charitable giving into their financial plans, I believe giving back is one of the most meaningful ways to make a difference.

If philanthropy is important to you too, let’s talk. I’d love to help you align your financial strategy with your charitable goals so you can give with confidence and purpose.

— Mike
    Icon Image
    St. Jude Children's Research Hospital
    St. Jude specializes in care for some of the toughest pediatric cases while investing in cutting-edge scientific research. Families never receive a bill from St. Jude for treatment, travel, housing or food — so they can focus on helping their child live.
    Icon Image
    SF-Marin Food Bank & Alameda County Community Food Bank
    Hunger is a critical issue in our communities. I support both the San Francisco-Marin Food Bank and the Alameda County Community Food Bank in their missions to provide food assistance, advocate for change, and address the root causes of hunger.
    Icon Image
    Scouting America
    I’ve been involved in Scouting for about 20 years, beginning at the Tiger Cub level and later serving as a Den Leader, Scoutmaster, Eagle Advisor, and Boy Scout trainer. Through Scouting, I've had the opportunity to mentor young people both boys and girls, helping them develop leadership skills, confidence, and a strong sense of responsibility.
    Icon Image
    Youth Sports & Mentorship
    Coaching has been a passion of mine for years. I’ve had the privilege of coaching Pee Wee baseball with the local Little League, soccer with the American Youth Soccer Association, and basketball with the Catholic Youth Organization. Investing in young people through sports teaches teamwork, discipline, and perseverance—skills that last a lifetime.
    Icon Image
    Faith & Community Involvement
    My faith is central to my life. I serve as a Eucharistic Minister and Lector, and I’m a member of my church’s finance committee. I also led Children’s Liturgy for many years, helping young people engage with their faith in meaningful ways.

Location

555 California St, 35th
Floor
San Francisco, CA 94104
US
Direct:
(415) 984-6016(415) 984-6016
Toll-Free:
(800) 289-9060(800) 289-9060
Fax:
(415) 984-6596(415) 984-6596

Meet My Team

About Nacole Carson

Nacole Carson began her career in financial services with Franklin Templeton in San Mateo, CA in 1998. In 1999, she joined Morgan Stanley in pursuit of an opportunity that would allow her to have a more personal impact on clients. By recognizing the importance and enjoying the process of getting to know her clients as individuals, Nacole facilitates an outstanding client experience and drives exceptional results.

Nacole is passionate about giving back to the greater San Francisco community, actively volunteering at both the Food Bank of Contra Costa and the San Francisco-Marin Food Bank.
In her free time, Nacole enjoys running half marathons, reading, and spending time with family and friends. She currently resides in the East Bay region of San Francisco with her husband and five children.

About Wilson Hu

Wilson is a Registered Client Service Associate with the Golden Gate Group at Morgan Stanley. Born into a first-generation immigrant family in San Francisco, Wilson grew up with a deep appreciation for hard work and financial education. Inspired by the struggles and successes of his parents, he pursued a career in finance, earning a degree in communication studies with a focus in finance from San Francisco State University. Having experience in the finance industry, Wilson was dedicated to

helping individuals and families navigate their financial journey with confidence and clarity. His unique background and upbringing continue to shape his approach to helping individuals, ensuring every client feels understood and supported every step of the way.
Wealth Management
Global Investment Office

Portfolio Insights

Ready to start a conversation? Contact Michael J Gonzalez 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.

1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

Back to top



2Morgan 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.

Back to top



3When 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.

Back to top



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.

Back to top



5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

Back to top



6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

Back to top



7When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

Back to top



8Morgan 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

Back to top



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)