Welcome

Many people leave their financial advisor confused about what's happening with their money. I want my clients to fully understand what's happening with their money at every stage of their financial journey.

Effective Game Plan

It is our job to understand the complexities of your situation and our financial plans are designed with your personal goals in mind. We can help make sure your plan is on track and updated as your life changes.

Advice in Common Language

We speak your language to ensure you have a clear understanding of what we're going to do with your money. Our on-going communications provide continual transparency so you'll stay informed on the markets and know what's happening with your money.

Helping Make Your Life Easier

We want to help add convenience to your life and many of our services are designed to do just that. Whether working in tandem with your other advisors or providing holistic planning services, we're on your team seeking to offer simplicity and clarity to you.

Experience

Our team that serves you is knowledgeable and we have the education and practical experience to serve your needs. We exist to serve as your guide for life's big tradeoff decision and by working with us, we want you to be confident you made the right decisions.
Services Include
  • Professional Portfolio Management1
  • Retirement Planning2
  • 401(k) Rollovers
  • Financial Planning3
  • Estate Planning Strategies4
  • Planning for Special Needs Individuals5
  • Planning for Education Funding6
  • 529 Plans7
  • LGBT Planning Services
  • Business Planning8
  • Life Insurance9
  • Wealth Management10
  • Cash Management11
  • Sustainable Investing12
  • Wealth Consulting
  • Exchange Traded Funds13
Securities Agent: AZ, CA, CO, FL, HI, ID, IL, LA, MI, NC, NM, NY, OH, OK, PA, RI, TX, UT, VA, WA, WY; Investment Advisor Representative; General Securities Representative; Managed Futures
NMLS#: 1369354
CA Insurance License #: 0E56208
Check the background of Our Firm and Investment Professional on FINRA's BrokerCheck.*
  • Texas
    Like the old Marty Robbins’ song, I was born out in the west Texas town of El Paso. My father was a nine-year veteran of the U.S. Army and my mother had the great fortune of not having to work so she was there to pick me up from school when I was a child. My only brother joined the family when I was 9 years old. From my parents, I learned to value hard work, the importance of family and the power of education.

    I attended the University of Texas- El Paso with a Presidential Scholarship and I used part-time work at Sears in the business office to help pay for my education. I entered my college studies majoring in Political Science because I wanted to attend law school, but found along my path that it was not the right career for me. Looking back now, that’s the best decision that I could have made as I’m in the profession that I love! I double majored and added Communication as my second major with a minor in Psychology.

    The day after my college graduation, I began working in the Sears Management Training Program. Within a few months I became the manager for Men’s Department, then got promoted as the Brand Central Manager (Appliances). At the age of 24, I was managing a $23 million dollar department, but there was still something missing.

    I decided to go back to school and get my Master’s Degree and I was accepted at the Business School at the University of Texas – El Paso. I attended classes in the evening and around my work schedule and received my M.B.A. in 2002 with a 3.9 GPA. At that point, I realized that my calling was to combine my two passions: finance and taking care of my clients.
  • California
    When I was 18, my family and I came to San Diego on vacation and I knew in my heart that this city was going to eventually be my future home. After finishing my M.B.A, I accepted a management job at Bed, Bath & Beyond in San Diego as a stepping stone to get to San Diego. I was able to stock up on sheets, towels and other goodies for my new apartment so that was a bonus!

    I then saw a television commercial that impacted me. It was a man at a wedding who was talking about how he dreamt about planning for Alex’s wedding because he wanted to make sure that the day he sent her off to start her only family was as special as the day that she joined his family. And he was the financial advisor, not the dad. The commercial, which is still on YouTube if you’d like to see it, then said “when you work with a Morgan Stanley financial advisor, your dreams become our dreams.” At that point, I knew I found the company that I wanted to call home. I worked diligently to get interviewed and accepted the challenge in May 2004.

    Since then, I have met the rigorous certification requirements to become a CERTIFIED FINANCIAL PLANNER™ practitioner, including examination, ethics, continuing education and experience standards. Through the Academy of Certified Portfolio Managers, I attended Columbia University in New York and completed coursework to receive the designation of CERTIFIED PORTFOLIO MANAGER™ in 2016. I have been named as a Five Star Wealth Manager in San Diego Magazine five years in a row 2012- 2017.

    They say that you cannot connect the dots in your life looking forward. You have to look back to do that. As I connect the dots on my life, I thank God for the blessings in my life… to have a loving family and wonderful friends around me, a successful financial practice in a city that I love and amazing clients who drive me to become better every day!

Working With You

We believe that identifying financial solutions begins with a solid understanding of each client’s situation, goals, objectives and risk tolerance. We follow a disciplined process that enables us to work with you to craft a solution that helps to meet your individual financial needs:

Develop a thorough understanding of your financial goals and objectives
Review and analyze your current financial situation
Identify and tailor solutions that can help you meet your individual needs
Implement your customized strategy, including personalized services and benefits
Review your strategy, meeting periodically to discuss your goals and needs

Whatever your financial goal—whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:

Personal - highly individualized and committed to helping you achieve financial success
Flexible - responsive to changes in your life and in your priorities over time
Comprehensive - covering a broad array of investment products and services, with preferred benefits tied to your valued status with us

    Education

    • University of Texas - El Paso, Masters of Business Administration
    • University of Texas - El Paso, Bachelor of Arts
    • The American College - CFP® Certification Curriculum
    • Academy of Certified Portfolio Managers - Columbia University in the City of New York

    Client Service Team

    • Grace Kilpatrick - Registered Client Service Associate, Financial Planning Associate
      (858) 729-5017
      Grace.Kilpatrick@morganstanley.com

      I was born and raised in La Jolla, California.  I am the third generation financial professional with Morgan Stanley in my family.  Both my parents were one of four and for me every dollar growing up had a responsibility or lesson tied to it.  Legacy planning has been important topic in my life since childhood and being raised by two full-time parents who were extremely driven in their careers made me analyze most aspects of life from a business perspective early on.

      Growing up two passions of mine turned into serious goals:  One goal was to enjoy soccer in school and the second was to pursue a career in finance.  As I look back on the joy of getting to play four years of NAIA Collegiate Soccer while completing my B.A. in Mass Communications at Menlo College in Silicon Valley, I feel extremely grateful.  I believe gratitude, hard work and planning are the key elements to a happy life. 

      During college I enjoyed diversifying my time.  I was a varsity athlete, president of fashion club and attended chess club.  I believe it is important to love what you do and it was all these different events that shaped me into a person that loves being a Financial Planning Associate.  I decided to major in Communications so I could enjoy the marketing components of the major while still taking math and economics classes.

      I am happily married and my husband is from Peru.  I have one daughter named Camila.  I would like my daughter to learn Spanish growing up so it is wonderful being surrounded by Spanish speakers including Norbert.  My favorite causes to fight for each year is the Walk to End Alzheimer’s and Feeding America.  I am an advocate for women in male dominated fields and women in wealth.   My current hobbies are indoor soccer and San Diego pool days.
    • Mary Dorsey-Evans - Registered Client Service Associate
      (858) 729-5091
      mary.dorsey-evans@morganstanley.com

    Location

    1111 Prospect Street
    La Jolla, CA 92037
    US
    Direct:
    (858) 729-5112(858) 729-5112
    Toll Free:
    (800) 473-2331(800) 473-2331
    Fax:
    (858) 551-5907(858) 551-5907
    From My Desk

    Study Links Good Financial Habits to Achieving Happiness


    Investment and Market Perspectives

    Michael Wilson: Monthly Investment Perspectives Webcast

    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
    5 Mistakes to Avoid in Retirement

    5 Mistakes to Avoid in Retirement

    How you plan your finances in retirement may be just as important as the process of saving for retirement. Here are some key considerations.

    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
    How to Teach Your Kids About Money

    How to Teach Your Kids About Money

    It’s best to start teaching your kids young. Read our tips to help your family.

    Mosaic

    Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
    The 2019 Wanderlust List

    The 2019 Wanderlust List

    The world awaits your next adventure. Start here.

    More from Morgan Stanley

    Morgan Stanley and Justin Rose: A Winning Team

    Morgan Stanley and Justin Rose: A Winning Team

    Morgan Stanley and our brand ambassador, PGA TOUR champion Justin Rose, share a set of core values and a common cause: giving books to children in need.
    Learn more about Morgan Stanley and Justin Rose: A Winning Team
    Your Financial World. On the Go.

    Your Financial World. On the Go.

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

    Access Morgan Stanley Online

    Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
    Learn more about Access Morgan Stanley Online
    The Playbook: A Millennial's Guide to Life & Money

    The Playbook: A Millennial's Guide to Life & Money

    This collection of resources provides highly actionable, jargon-free advice for young investors navigating major life milestones such as starting a new job, getting married, buying a home, and more. Learn More
    Learn more about The Playbook: A Millennial's Guide to Life & Money
    Ready to start a conversation? Contact Norbert Frassa today.
    Market Information Delayed 20 Minutes
    Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

    1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.

    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 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.

    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.

    5Morgan 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.

    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.

    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.

    8Morgan 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.

    9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    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 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

    12The 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.

    13An investment in an exchange-traded fund involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor's ETF shares, if or when sold, may be worth more or less than the original cost.

    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.


    CRC 2019752 10/2018