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.


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 Individuals with Special Needs5
  • 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: TX, CA, WY, WA, VA, UT, RI, PA, OR, OK, OH, NY, NM, NC, MI, LA, IL, ID, HI, FL, CO, AZ; Managed Futures; General Securities Representative; Investment Advisor Representative
NMLS#: 1369354
CA Insurance License #: 0E56208
Check the background of Our Firm and Investment Professionals 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


    • 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

      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


    1111 Prospect Street
    La Jolla, CA 92037
    (858) 729-5112(858) 729-5112
    (800) 473-2331(800) 473-2331
    (858) 551-5907(858) 551-5907
    From My Desk

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    • 529 Plans / Education Savings Planning
    • Long Term Care Insurance
    • Special Needs Planning
    • Trust Services
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    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
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    Ready to start a conversation? Contact Norbert Frassa today.
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    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.

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    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.

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    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.

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