5 Common Questions and Solutions We Provide

1. How do you invest?
Our core strategies combine low-cost “passive” index funds with “active” management. This mix allows broad diversification, while capitalizing on the forward-looking perspective that actively-traded approaches provide. We also offer solutions focusing exclusively on growth, tax-free income, and private equity. Our socially-responsible strategy addresses global sustainability, climate change, and water scarcity, while our Pro-Israel tilt incorporates Jewish values. All portfolios are created and maintained to reflect each client’s risk tolerance, return expectation, and time horizon. 

2. How does Financial Planning work?
It’s a process to review your current financial situation, and test paths forward, to help you achieve your personal goals. The modeling includes “what-ifs” to let you know if you’re on-track, or getting de-railed

3. How much does your typical client invest?
Between $500,000 to $20 million. But we never turn away anyone. We let you decide if we can help.

4. What is the cost to work with you?
It’s a percentage of assets under management, charged quarterly. We address the specifics of our compensation when we meet, so you can feel confident in our skills and the value we bring.

5. How often will you contact me?
We will contact you as much – or as little – as you would like. I do request that we try to meet in-person at least 2x per year. I am also a big believer in quick check-ins via the phone, email, or texting.
Services Include
  • Retirement Planning1
  • Sustainable Investing2
  • Trust Services*
  • Cash Management3
  • Wealth Management4
  • Financial Planning5
  • Executive Benefit Services6
  • Philanthropic Services
  • 401(k) Rollovers
  • 529 Plans7
  • Defined Contribution Plans8
  • Estate Planning Strategies9
  • Long Term Care Insurance10
  • LGBT Planning Services
Securities Agent: CA, WA, OR, NY, NV, MO, MD, MA, KS, AZ; Managed Futures; General Securities Representative; Investment Advisor Representative
NMLS#: 1268354
CA Insurance License #: 1268354
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Experience

My wife and I are always reminding our sons that life will take them on unexpected paths and that they should enjoy the journey. Witness a few of my own work experiences:

- Growing up in Kansas City, I worked at my family’s egg processing facility, where we split the yolks from the whites, and turned them into powder for baking institutions. 

- At UC Berkeley, my goal was to be a newscaster, and my first job out was as a reporter for KMEL in San Francisco. 

- After receiving my MBA from Stanford University, I spent the next part of my career on the business side of the media where I worked for newspapers, magazines, and technology companies. 

- In 2009, I was recruited by Morgan Stanley, and joined in 2010. 

I encourage my clients’ to tell me their own stories, so I can understand how they became the people they are today. I ask what’s important to them. And what is not. Because personalized wealth management begins with an understanding of one’s values. 

Please contact me to inquire how we can work together to reflect your values, and implement and seek to achieve a successful financial future.

    Education

    MBA, Stanford Graduate School of Business
    Bachelor of Arts, UC Berkeley

      Personal Interests

      • Avid bicyclist and swimmer; enjoy reading, yoga and swing dancing
      • Board member for a number of non-profits
      • Reside in Palo Alto, married to a psychologist, with four adult sons

      Client Service Team

      • Justin Yip - Registered Associate
        Justin Yip has 10-years of industry experience as a Registered Associate. He joined Morgan Stanley in 2015, after two years at UBS Private Wealth.

        He has a BA in finance from Santa Clara University, as well as professional licenses of Series 7, and 66.

        Besides assisting clients, his interests include hiking, cycling, rock climbing, tennis, golf and basketball.

        Justin resides in San Jose

      Location

      2882 Sand Hill Rd
      Ste 200
      Menlo Park, CA 94025
      US
      Direct:
      (650) 234-5177(650) 234-5177
      Fax:
      (650) 234-5183(650) 234-5183
      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

      Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

      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
      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.

      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
      Thinking About Your Legacy? Why You May Need a Trust

      Thinking About Your Legacy? Why You May Need a Trust

      You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for.

      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
      6 Keys to Building a Startup

      6 Keys to Building a Startup

      Entrepreneurs share ideas and learnings from the experience of starting a company.

      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
      Choosing an Environmental Charity

      Choosing an Environmental Charity

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      Ready to start a conversation? Contact Mike Krigel today.
      Market Information Delayed 20 Minutes
      1Morgan 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.

      2The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.

      3Morgan 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

      4Morgan 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.

      5Morgan 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.

      6Tax 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.

      7Investors 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.

      8Tax 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.

      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.

      10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

      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 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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