Rupa Jack, CPWA®, CEPA®, CWS®, CIMA®
Managing Director, Wealth Management, Wealth Advisor, Family Wealth Director, Alternative Investments Director
Phone:
(707) 254-4432(707) 254-4432
Napa NorCal Wealth Management Group at Morgan Stanley
Our Mission Statement
We help our clients navigate the complexities in their lives so that they are able to focus on the people, issues and activities that enrich their lives.
Our Story and Services
About Us:
The Napa NorCal Wealth Management Group at Morgan Stanley is an experienced team of highly credentialed financial professionals. We can help you navigate the complexities that come with financial success, so you and your family are free to focus on the people, issues and activities that enrich your lives.
We work with a wide range of exceptional clientele of innovators, entrepreneurs, business leaders and their families. We provide experience and resources that aim to help them preserve what they have attained, pursue their most important goals, and simplify every aspect of their financial lives.
Get in Touch:
We would love the opportunity to work with you. To get in touch, please click the 'Contact Us' button at the top of the page, or reach out direcltly to a team member below.
Napa NorCal Wealth Management Group Office Locations:
700 Main Street
Suite 315
Napa, CA 94559
Direct: (707) 254-4452
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Trust ServicesFootnote4
- Philanthropic ManagementFootnote5
- Business Succession PlanningFootnote6
- Cash Management and Lending ProductsFootnote7
- Alternative InvestmentsFootnote8
- Sustainable InvestingFootnote9
- Stock Plan ServicesFootnote10
- Stock Option PlansFootnote11
- Executive Financial ServicesFootnote12
- Executive Benefit ServicesFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The goal of our process is to help you create a comprehensive wealth management plan to reach your most important personal, professional and philanthropic goals. We begin by learning about your history, your family, your interests, concerns and aspirations. We then reach out to your CPA and estate attorney to familiarize ourselves with your existing estate planning and coordinate our strategies. This discovery process enables us to develop an appropriate plan designed to help grow, preserve and transfer your wealth. Once implemented, we closely monitor your strategy to make sure it stays current with your goals in an ever-changing financial and personal world.
Wealth Management
a. Cash Management
b. Asset and Liability Management
c. Tax Management
d. Insurance Efficiency Analysis
e. Education Planning for Children
f. Retirement and Cash Flow Planning
g. Asset and Creditor Protection
h. Business Succession and Exit Planning
i. Pre-Liquidity Event Planning
j. Collaborate with your other professionals
b. Asset and Liability Management
c. Tax Management
d. Insurance Efficiency Analysis
e. Education Planning for Children
f. Retirement and Cash Flow Planning
g. Asset and Creditor Protection
h. Business Succession and Exit Planning
i. Pre-Liquidity Event Planning
j. Collaborate with your other professionals
Financial Planning and Investment Management
a. Customized Financial Plan
b. Tax Efficient Portfolio Construction
c. Proprietary Risk Management Analysis
d. Open Architecture Investment Platform
e. Access to World Class Public and Private Investments
f. Investment Due Diligence and Selection
g. Investing with Impact - Sustainable Investing
h. Monitoring and Reporting
b. Tax Efficient Portfolio Construction
c. Proprietary Risk Management Analysis
d. Open Architecture Investment Platform
e. Access to World Class Public and Private Investments
f. Investment Due Diligence and Selection
g. Investing with Impact - Sustainable Investing
h. Monitoring and Reporting
Estate and Philanthropy Management
a. Family Governance and Wealth Education
b. Estate Planning
c. Access to Wealth Planning Center for Advanced Estate Planning Needs
d. Private Banking
e. Insurance Solutions
f. Trust Services
g. Philanthropy Management
h. Lifestyle advisory
b. Estate Planning
c. Access to Wealth Planning Center for Advanced Estate Planning Needs
d. Private Banking
e. Insurance Solutions
f. Trust Services
g. Philanthropy Management
h. Lifestyle advisory
Executive Wealth Management
a. Executive Compensation and Benefits Analysis
b. Stock Option Analysis
c. Rule 144 Stock Analysis and Planning
d. Diversification Strategies for Concentrated Stock Positions
e. Section 10(b)5-1 plan
f. Section 1042 Tax-deferred sale to an ESOP
g. Qualified Small Business Stock (QSBS) Planning
h. Restricted Stock and Section 83(b) and 83(i) Election
b. Stock Option Analysis
c. Rule 144 Stock Analysis and Planning
d. Diversification Strategies for Concentrated Stock Positions
e. Section 10(b)5-1 plan
f. Section 1042 Tax-deferred sale to an ESOP
g. Qualified Small Business Stock (QSBS) Planning
h. Restricted Stock and Section 83(b) and 83(i) Election
Morgan Stanley Client Resources
At Morgan Stanley, we provide clients with easily digestible financial analysis from our market research experts. The links below provide further insight on the markets and economic landscape.
Reserved Living and Giving
Our complimentary loyalty program for eligible Morgan Stanley clients provides you and your family access to exclusive offers and discounts from popular brands.
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Cybersecurity Library
What does it mean to be cyber smart in a rapidly evolving digital age? How can we protect ourselves and our families online? Who are cyber criminals and how can we identify them?
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Morgan Stanley Online (MSO)
Seamlessly and securely manage your investments and everyday finances in one place. Have access to key information and the ability to make transfers and trades on Morgan Stanley Online (MSO) or the Morgan Stanley App.
Click to learn more about MSO
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Alternative Investments
Alternative investments can offer compelling opportunities to help grow and protect your wealth through the potential for reduced volatility, enhanced returns, income generation, and tax efficiency.
Click Here
Tax Tables 2025 Edition
This document offers a concise overview of the 2025 tax tables, providing insights into current tax rates and brackets. It is a key resource for financial planning and decision-making. Please use this guide for accurate tax calculations and strategic planning.
Click Here
Tax Tables 2026 Edition
This document offers a concise overview of the 2026 tax tables, providing insights into current tax rates and brackets. It is a key resource for financial planning and decision-making. Please use this guide for accurate tax calculations and strategic planning.
Click HereLocation
700 Main Street
Suite 315
Napa, CA 94559
US
Direct:
(707) 254-4452(707) 254-4452
Meet Napa NorCal Wealth Management Group
Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Financial Planning Specialist, Workplace Advisor - Equity Compensation
Phone:
(707) 254-4463(707) 254-4463
Jorge Rey-Prada
Wealth Management Associate
Phone:
(707) 254-4452(707) 254-4452
About Rupa Jack
Rupa Jack, CPWA®, CEPA®, CWS®, CIMA®
Managing Director, Family Wealth Director, Wealth Advisor
For over 35 years, Rupa Jack has guided successful individuals and families through the complexities of wealth, helping them enjoy life today while building the legacy they envision for the future. Drawing on her strong background in taxation, she helps clients develop tax-efficient strategies designed to preserve wealth and reduce financial stress.
Rupa encourages clients to use their resources intentionally: to care for the people they love, create meaningful experiences, support the causes important to them, and build a legacy that reflects their values. Her role is to help align each client’s financial decisions with the life they want to live and the impact they hope to make.
Her clients include corporate executives, entrepreneurs, and multi-generational families who value her ability to make complex decisions feel simpler, more coordinated, and more personal. Known for her understanding and steady presence, Rupa blends technical experience with genuine care for her clients’ lives, families, and future.
As one of Morgan Stanley’s select Family Wealth Directors, Rupa connects clients with the firm’s extensive family office resources, including pre-liquidity and business exit planning, as well as estate, charitable, and family governance strategies.
Rupa holds a Master’s Degree in Taxation from Portland State University and a Bachelor of Science from Oregon State University. She is a licensed CPA, although she is not practicing at Morgan Stanley. She has earned multiple advanced certifications including Certified Exit Planning Advisor (CEPA®) from The Exit Planning Institute, Certified Wealth Strategist (CWS®) from Cannon Financial Institute, Certified Investment Management Analyst (CIMA®) from Wharton School, University of Pennsylvania, and Certified Private Wealth Management Advisor (CPWA®) from at the University of Chicago Booth School of Business.
Beyond her practice, Rupa is passionate about mentoring the next generation of financial advisors and supporting nonprofits that serve at-risk youth. At home in Napa, she enjoys spending time with her family and friends, walking her dogs, and enjoys the beauty and lifestyle of Napa Valley.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters. Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Managing Director, Family Wealth Director, Wealth Advisor
For over 35 years, Rupa Jack has guided successful individuals and families through the complexities of wealth, helping them enjoy life today while building the legacy they envision for the future. Drawing on her strong background in taxation, she helps clients develop tax-efficient strategies designed to preserve wealth and reduce financial stress.
Rupa encourages clients to use their resources intentionally: to care for the people they love, create meaningful experiences, support the causes important to them, and build a legacy that reflects their values. Her role is to help align each client’s financial decisions with the life they want to live and the impact they hope to make.
Her clients include corporate executives, entrepreneurs, and multi-generational families who value her ability to make complex decisions feel simpler, more coordinated, and more personal. Known for her understanding and steady presence, Rupa blends technical experience with genuine care for her clients’ lives, families, and future.
As one of Morgan Stanley’s select Family Wealth Directors, Rupa connects clients with the firm’s extensive family office resources, including pre-liquidity and business exit planning, as well as estate, charitable, and family governance strategies.
Rupa holds a Master’s Degree in Taxation from Portland State University and a Bachelor of Science from Oregon State University. She is a licensed CPA, although she is not practicing at Morgan Stanley. She has earned multiple advanced certifications including Certified Exit Planning Advisor (CEPA®) from The Exit Planning Institute, Certified Wealth Strategist (CWS®) from Cannon Financial Institute, Certified Investment Management Analyst (CIMA®) from Wharton School, University of Pennsylvania, and Certified Private Wealth Management Advisor (CPWA®) from at the University of Chicago Booth School of Business.
Beyond her practice, Rupa is passionate about mentoring the next generation of financial advisors and supporting nonprofits that serve at-risk youth. At home in Napa, she enjoys spending time with her family and friends, walking her dogs, and enjoys the beauty and lifestyle of Napa Valley.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters. Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Securities Agent: SC, CO, OR, AR, VA, MT, KY, WI, TX, TN, PA, OK, NJ, HI, CA, AL, WA, NM, MD, LA, DC, WY, RI, ME, IL, NV, MO, MN, KS, IA, NY, MA, GA, UT, IN, DE, AZ, AK, OH, MI, ID, FL, NC, CT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268347
CA Insurance License #: 0C78735
NMLS#: 1268347
CA Insurance License #: 0C78735
About Sean Desmarais
Sean Desmarais, CFP®
Financial Planning Specialist
Financial Advisor
Sean Desmarais has almost 15 years of experience across financial services and capital markets, including commercial and investment banking. He works with executives, professionals, business owners, and families to address complex financial needs through comprehensive financial planning and investment management.
Sean focuses on helping clients navigate executive compensation and concentrated stock positions. He develops personalized strategies involving stock options, restricted stock, deferred compensation, liquidity needs, diversification, and tax considerations. By integrating these decisions into each client’s broader financial plan, Sean helps clients manage risk, evaluate tradeoffs, and make informed decisions about their wealth.
Alternative investments are also an important part of Sean’s client portfolios. When appropriate, he helps qualified clients evaluate how alternative strategies may complement traditional investments, enhance diversification, and support their long-term objectives. His approach begins with understanding each client’s goals, risk tolerance, liquidity needs, and overall financial circumstances.
Since 2019, Sean has helped develop and implement more than 500 customized financial plans. As a CFP he has experience in tax-efficient strategies, insurance planning, estate planning strategies, and retirement planning. Sean is committed to helping clients preserve and grow their wealth through personalized advice and access to Morgan Stanley’s investment professionals, premier trading platform, and broad suite of investment solutions.
Sean earned his Bachelor of Arts in Economics from California State University, Sacramento. He previously attended Solano College, where he was recognized as an all-conference football player. He is currently studying Wealth Management Theory & Practice through the Yale School of Management to deepen his knowledge of complex tax, estate, and investment strategies.
A Napa native, Sean lives in his hometown with his wife, Kailey, their daughters, Riley and Adley, and their black lab, Blue. He regularly volunteers with Collabria Care, providing respite support for patients and their families, and with We Love Our City, distributing food through his local church. An avid outdoorsman, Sean values faith, family, service, and building lasting relationships, both personally and professionally.
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. 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.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences. The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 4217162 03/26
Financial Planning Specialist
Financial Advisor
Sean Desmarais has almost 15 years of experience across financial services and capital markets, including commercial and investment banking. He works with executives, professionals, business owners, and families to address complex financial needs through comprehensive financial planning and investment management.
Sean focuses on helping clients navigate executive compensation and concentrated stock positions. He develops personalized strategies involving stock options, restricted stock, deferred compensation, liquidity needs, diversification, and tax considerations. By integrating these decisions into each client’s broader financial plan, Sean helps clients manage risk, evaluate tradeoffs, and make informed decisions about their wealth.
Alternative investments are also an important part of Sean’s client portfolios. When appropriate, he helps qualified clients evaluate how alternative strategies may complement traditional investments, enhance diversification, and support their long-term objectives. His approach begins with understanding each client’s goals, risk tolerance, liquidity needs, and overall financial circumstances.
Since 2019, Sean has helped develop and implement more than 500 customized financial plans. As a CFP he has experience in tax-efficient strategies, insurance planning, estate planning strategies, and retirement planning. Sean is committed to helping clients preserve and grow their wealth through personalized advice and access to Morgan Stanley’s investment professionals, premier trading platform, and broad suite of investment solutions.
Sean earned his Bachelor of Arts in Economics from California State University, Sacramento. He previously attended Solano College, where he was recognized as an all-conference football player. He is currently studying Wealth Management Theory & Practice through the Yale School of Management to deepen his knowledge of complex tax, estate, and investment strategies.
A Napa native, Sean lives in his hometown with his wife, Kailey, their daughters, Riley and Adley, and their black lab, Blue. He regularly volunteers with Collabria Care, providing respite support for patients and their families, and with We Love Our City, distributing food through his local church. An avid outdoorsman, Sean values faith, family, service, and building lasting relationships, both personally and professionally.
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. 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.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences. The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 4217162 03/26
Securities Agent: NJ, AR, VA, PA, HI, WY, NM, IL, GA, AL, TX, TN, NV, NC, OR, MN, KS, IA, MO, MA, KY, CA, UT, SC, OK, NY, MD, DE, DC, RI, LA, MT, ID, FL, AK, OH, WI, WA, MI, ME, IN, CT, CO, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1894342
CA Insurance License #: 4005124
NMLS#: 1894342
CA Insurance License #: 4005124
About Jorge Rey-Prada
Jorge Rey-Prada
Wealth Management Associate
Jorge Rey-Prada has been in the financial services industry since 2012. His previous experience in several industries and across multiple support positions is the ideal foundation for his current role with the Napa NorCal Wealth Management Group. Jorge is diligent and conscientious and strives to provide the highest level of service. Drawing on his professionalism and strong belief in teamwork, he collaborates with all team members to deliver a consistent, positive experience for our clients.
Jorge was born in Colombia where he graduated with a degree in Petroleum Engineering. After working in oilfield operations for several years, he made the decision to come to the United States to pursue a Master’s Degree in Business Administration.
He graduated from San Francisco State University in 2004 where he earned the College of Business Distinguished Achievement Award for Academic Excellence 2003-2004 with College Honors (May 27, 2004). Upon graduation, Jorge worked in various roles in the business and operations of a Bay Area construction company before moving into the financial services industry in 2012.
Jorge lives in Napa, California, with his partner, Robert, and their two rescue dogs, Roadie and Samson. In his free time, he enjoys reading, swimming, hiking, working out, and going to the movies and San Francisco Ballet performances, as well as sampling the great restaurants of the
Napa Valley.
Wealth Management Associate
Jorge Rey-Prada has been in the financial services industry since 2012. His previous experience in several industries and across multiple support positions is the ideal foundation for his current role with the Napa NorCal Wealth Management Group. Jorge is diligent and conscientious and strives to provide the highest level of service. Drawing on his professionalism and strong belief in teamwork, he collaborates with all team members to deliver a consistent, positive experience for our clients.
Jorge was born in Colombia where he graduated with a degree in Petroleum Engineering. After working in oilfield operations for several years, he made the decision to come to the United States to pursue a Master’s Degree in Business Administration.
He graduated from San Francisco State University in 2004 where he earned the College of Business Distinguished Achievement Award for Academic Excellence 2003-2004 with College Honors (May 27, 2004). Upon graduation, Jorge worked in various roles in the business and operations of a Bay Area construction company before moving into the financial services industry in 2012.
Jorge lives in Napa, California, with his partner, Robert, and their two rescue dogs, Roadie and Samson. In his free time, he enjoys reading, swimming, hiking, working out, and going to the movies and San Francisco Ballet performances, as well as sampling the great restaurants of the
Napa Valley.
Contact Rupa Jack
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Contact Sean Desmarais
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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
Clint Eddy
Family Office Resource Generalist
Michelle Walsh
Private Banker
Mark T Curtis
Managing Director, Stock Plan Director, Financial Planning Specialist, Family Wealth Director, International Client Advisor, Investing with Impact Director
About Clint Eddy
Clint Eddy is an Executive Director with the Family Office Resources (FOR) team at Morgan Stanley. As a Generalist with FOR he helps Financial Advisors and their clients curate and navigate an expansive suite of highly specialized resources to address the complex, multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA). He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA). He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
About Michelle Walsh
Michelle Walsh is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Michelle began her career in financial services in 1983 and joined Morgan Stanley in 2020 as a Private Banker. Prior to joining the firm, she was a Structured Credit Executive at Merrill Lynch/Bank of America where she also served as a Wealth Management Banker. She previously served as a Regional Consumer Market Manager with BB&T Bank.
Michelle is a graduate of Shepherd University where she received a Bachelor of Science in Business Administration. She lives in Danville, CA with her family. Outside of the office, Michelle enjoys traveling with family and friends and volunteering for local food banks.
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.
Michelle began her career in financial services in 1983 and joined Morgan Stanley in 2020 as a Private Banker. Prior to joining the firm, she was a Structured Credit Executive at Merrill Lynch/Bank of America where she also served as a Wealth Management Banker. She previously served as a Regional Consumer Market Manager with BB&T Bank.
Michelle is a graduate of Shepherd University where she received a Bachelor of Science in Business Administration. She lives in Danville, CA with her family. Outside of the office, Michelle enjoys traveling with family and friends and volunteering for local food banks.
NMLS#: 637456
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and 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
Morgan Stanley Wealth Management Financial Advisors can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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.
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
Morgan Stanley Wealth Management Financial Advisors can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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.
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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
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Napa NorCal Wealth Management Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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 and other legal matters.
4Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 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.
6Morgan 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.
7Morgan 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
8Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
9Investing 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
12Morgan 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.
13When 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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 and other legal matters.
4Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 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.
6Morgan 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.
7Morgan 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
8Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
9Investing 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
12Morgan 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.
13When 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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), 4763067 (9/2025)
