Pamela Kezer
Senior Vice President, Wealth Management,
Financial Advisor
Direct:
(707) 524-1036(707) 524-1036
Toll-Free:
(800) 752-5340(800) 752-5340
My Mission Statement
Working with you to help preserve and grow wealth for your long-term goals
My Story and Services
Pamela and her husband Allen have been Santa Rosa, CA residents since 1993. There they raised their two sons Loren and Quinlan and their black Lab, Zoey. In 1990, Pamela started her professional career working at Wells Fargo Bank. Her experiences have been vast including volunteer work, 15 years of Boy Scout leadership, owning & operating different businesses, and helping her husband with his appraisal business. Pamela has also had the opportunity to raise her two boys during her working career. These years of experience have taught her the importance of having a financial plan, whether personal or business.
Pamela completed her Bachelors of Science at the University of California Davis. Upon graduation Pamela entered the financial services industry. There, she cultivated experiences through seven years as a personal & business banker at Wells Fargo. She spent more than 15 years as an administrative assistant and financial advisor at Morgan Stanley. During those years she learned to provide excellent customer service and education to new, existing, and potential clients. Additionally, she worked closely with the Morgan Stanley management team to help mentor peers and assist associates in professional growth.
Free time is filled with many social activities. Pamela enjoys her family, traveling, camping, bike riding and playing BUNCO with her friends. Pamela maintains involvement with the Michael J. Fox Foundation for Parkinson's Research, given her personal connection to the cause. Pamela is always looking for the next adventure. She believes in working smarter, not harder and the ‘KISS’ principal (Keep It Simple S_____).
Pamela completed her Bachelors of Science at the University of California Davis. Upon graduation Pamela entered the financial services industry. There, she cultivated experiences through seven years as a personal & business banker at Wells Fargo. She spent more than 15 years as an administrative assistant and financial advisor at Morgan Stanley. During those years she learned to provide excellent customer service and education to new, existing, and potential clients. Additionally, she worked closely with the Morgan Stanley management team to help mentor peers and assist associates in professional growth.
Free time is filled with many social activities. Pamela enjoys her family, traveling, camping, bike riding and playing BUNCO with her friends. Pamela maintains involvement with the Michael J. Fox Foundation for Parkinson's Research, given her personal connection to the cause. Pamela is always looking for the next adventure. She believes in working smarter, not harder and the ‘KISS’ principal (Keep It Simple S_____).
Services Include
- Retirement PlanningFootnote1
- Financial PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Planning for Education FundingFootnote4
- Cash Management and Lending ProductsFootnote5
- Certificates of DepositFootnote6
- LGBT+ Planning ServicesFootnote7
- AnnuitiesFootnote8
- Life InsuranceFootnote9
- Long Term Care InsuranceFootnote10
Securities Agent: OR, OH, CO, UT, AK, TX, NY, GA, HI, AR, IL, CA, WA, NV, FL, AZ, MN, MT, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 1468441
CA Insurance License #: 0K77233
NMLS#: 1468441
CA Insurance License #: 0K77233
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Pamela’s 15 years in the wealth management profession have taught her that every client is unique. Unlike what one might hear elsewhere, there is no one plan or formula suitable for every person according to the person’s age, demographics, etc. There is, however, a right investment plan for every person at any given point in time. The job of the Advisor is to assist the client to first identify and then create that plan, and to adjust it thereafter over time as circumstances change.
Pamela will work with you to identify and quantify your individual investment goals. She believes that you can’t achieve your goals if you don’t know what they are. She knows what questions to ask and he knows how to listen. She also knows the importance of maintaining an open channel of communication with her clients. All calls or emails are promptly returned.
Pamela will work with you to identify and quantify your individual investment goals. She believes that you can’t achieve your goals if you don’t know what they are. She knows what questions to ask and he knows how to listen. She also knows the importance of maintaining an open channel of communication with her clients. All calls or emails are promptly returned.
Managing your money in the 21st century
We offer a comprehensive suite of tools to manage your wealth more effectively in today’s busy world. We are happy to assist you in signing up for any of these services.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle, a convenient way to send and receive money.
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures for necessary paperwork. There is no registration process to begin using E-Sign – all you need is a valid email address and phone number.
E-Delivery
E-Delivery allows you to securely save, print, send and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Digital Vault
The Digital Vault allows you to build a centralized library for all your documents using encryption.
Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
Goals Planning System (GPS)
GPS is our financial planning software. It helps define what you want out of life, so we can create a financial framework to bring these goals to fruition.
VALUABLE TOOLS AND RESOURCES
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term results. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have curated the following resources that support our wealth management philosophy and investment strategies. We’ve provided easy links to these materials and hope you will return often to learn more about topics impacting your wealth.
We have curated the following resources that support our wealth management philosophy and investment strategies. We’ve provided easy links to these materials and hope you will return often to learn more about topics impacting your wealth.
Podcast: Thoughts On The Market
Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, provides perspectives on the forces that are shaping the market as he leads a discussion on the latest trends in the financial marketplace.
Podcast: Morgan Stanley Ideas
The Morgan Stanley Ideas Podcast shares revealing stories about the world of business, finance, technology and beyond.
Research: Global Investment Committee Weekly Report
Global Investment Committee member Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Click Here to Read GIC ReportClient Service Team
Mony Ward - Portfolio Associate
Phone:
(707) 571-5756(707) 571-5756
Email:Mony.Ward@morganstanley.com
Mony is a dedicated professional with over 20 years of experience in the brokerage industry. As a Portfolio Associate at Morgan Stanley, she is committed to providing clients with a superior experience, assisting them with their financial needs through a collaborative and adaptable approach. Mony values the supportive culture of her team and is passionate about delivering exceptional service.
Mony graduated from Heald Business College with a specialist diploma in Computer Office Administration. She began her career as a sales assistant with Bank of America Investments. After the Merrill Lynch merger, she advanced to the role of registered senior client associate. Mony then joined GBS Financial, where she progressed from operation specialist to operations supervisor and later operations manager. In 2017, she joined Morgan Stanley, where she continues to leverage her extensive experience to serve clients effectively.
Mony believes in providing top notch client service through collaboration and adaptability. Her ability to listen to clients and address their unique needs is central to her role. She appreciates the culture at Morgan Stanley, where teamwork and client focused solutions are highly valued. Mony’s approach is grounded in a commitment to excellence and continuous improvement.
Mony resides in Santa Rosa, CA, with her husband Tim, and their two children. Outside of work, she is actively involved in her local temple, where she volunteers her time. Mony enjoys spending time with her family, camping, watching football, and taking family trips, cherishing the moments she shares with her loved ones.
Mony graduated from Heald Business College with a specialist diploma in Computer Office Administration. She began her career as a sales assistant with Bank of America Investments. After the Merrill Lynch merger, she advanced to the role of registered senior client associate. Mony then joined GBS Financial, where she progressed from operation specialist to operations supervisor and later operations manager. In 2017, she joined Morgan Stanley, where she continues to leverage her extensive experience to serve clients effectively.
Mony believes in providing top notch client service through collaboration and adaptability. Her ability to listen to clients and address their unique needs is central to her role. She appreciates the culture at Morgan Stanley, where teamwork and client focused solutions are highly valued. Mony’s approach is grounded in a commitment to excellence and continuous improvement.
Mony resides in Santa Rosa, CA, with her husband Tim, and their two children. Outside of work, she is actively involved in her local temple, where she volunteers her time. Mony enjoys spending time with her family, camping, watching football, and taking family trips, cherishing the moments she shares with her loved ones.
Location
3562 Round Barn Circle
1st Fl
Santa Rosa, CA 95403
US
Direct:
(707) 524-1036(707) 524-1036
Toll-Free:
(800) 752-5340(800) 752-5340
Fax:
(707) 524-1099(707) 524-1099
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Pamela Kezer today.
1When 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.
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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan 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
6Investors 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.
7Morgan 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan 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
6Investors 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.
7Morgan 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
