Philip Horowitz, CFP®
Vice President, Wealth Management,
Financial Advisor,
CERTIFIED FINANCIAL PLANNER®
Direct:
(650) 358-1823(650) 358-1823
My Mission Statement
Through a personal and caring experience,
I provide the knowledge, insights and tailored solutions needed
to serve as your single point of contact for all your financial needs,
helping achieve the goals you’ve set for you and your family.
I provide the knowledge, insights and tailored solutions needed
to serve as your single point of contact for all your financial needs,
helping achieve the goals you’ve set for you and your family.
About Us
A results-driven professional with more than 20 years of experience, I work with busy professionals and business leaders who seek an integrated approach to managing their finances. I share their vision in bringing simplicity to their lives by gathering all aspects of their wealth together into one comprehensive plan.
The work I do is customized for you and your family. I look at your wealth today and utilize various planning and risk assessment tools to forecast your expected income and spending needs, so we can develop a set of strategies to help achieve your goals.
Above all, I access the global resources and intellectual capital of Morgan Stanley to deliver appropriate recommendations to strengthen the financial independence you've worked your whole life to achieve.
I am proud of the high level of service I provide my clients and welcome the opportunity to deliver this same level of excellence to you and your family.
The work I do is customized for you and your family. I look at your wealth today and utilize various planning and risk assessment tools to forecast your expected income and spending needs, so we can develop a set of strategies to help achieve your goals.
Above all, I access the global resources and intellectual capital of Morgan Stanley to deliver appropriate recommendations to strengthen the financial independence you've worked your whole life to achieve.
I am proud of the high level of service I provide my clients and welcome the opportunity to deliver this same level of excellence to you and your family.
Securities Agent: CA, UT, TX, HI, CO, AZ, VT, NV, NY, MA, NC, KS, IL, FL, VA, MI, GA, MD, OR, NJ, NE, LA, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1312672
CA Insurance License #: 0I02471
NMLS#: 1312672
CA Insurance License #: 0I02471
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My 5-Step Process
My process focuses on you, your family and your career – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and helping you make more informed decisions about your money.
Step 1: Get To Know You
I begin with an in-depth conversation where I listen carefully to understand what is important to you and your family. Utilizing my skills as a CFP®, I ask specific questions about your previous investment experience and the values that shape your decisions and identify any special challenges and circumstances for your personal situation.
Step 2: Analyze Your Finances
Next, I review your current and future financial situation, identify any potential shortfalls and discuss the impact of unexpected life events. In this step, I may also reach out to your CPA and estate attorney to understand your existing tax and estate plans so we can coordinate our efforts into one comprehensive plan.
Step 3: Develop Your Plan
Here, I prepare a comprehensive financial plan that addresses your specific needs and goals. I utilize various financial planning tools to develop a personalized strategy that not only includes investment and asset allocation recommendations, but incorporates important risk management strategies, as well as estate, trust and philanthropic solutions.
Step 4: Present & Implement Your Plan
In this step, I present your personalized financial plan in detail and explain why I am recommending each strategy. I’ll then refine your plan based on our discussion. Once approved by you, I’ll begin to implement the strategies together. I believe in full transparency and will keep you involved in each step.
Step 5: Provide Ongoing Service
I oversee your progress and review the performance of your plan through ongoing calls and meetings. I may recommend adjustments over time, due to changing market conditions or changes in your personal circumstances, to keep you on track towards achieving your goals.
Executive Financial Services
As your life and career evolve, your finances often become more complex. Many successful individuals find their overall wealth becomes heavily concentrated in one type of investment. This is very common for corporate executives who accumulate large amounts of company stock.
While the potential for long-term growth of these positions is great, so too are the potential risks to your overall financial health and well-being if they are not managed carefully.
Often, these positions are restricted and highly illiquid, making it difficult to diversify your portfolio and access its value. What’s more, there can be significant tax consequences associated with managing highly complicated positions of wealth.
If you find your overall wealth is highly concentrated and the associated restrictions limit your ability to diversify, I offer the strategic guidance and sophisticated strategies necessary to help gain flexible access to your wealth. In addition, my comprehensive approach focuses on finding tax-efficient ways to overcome the obstacles you face.
Services Include:
While the potential for long-term growth of these positions is great, so too are the potential risks to your overall financial health and well-being if they are not managed carefully.
Often, these positions are restricted and highly illiquid, making it difficult to diversify your portfolio and access its value. What’s more, there can be significant tax consequences associated with managing highly complicated positions of wealth.
If you find your overall wealth is highly concentrated and the associated restrictions limit your ability to diversify, I offer the strategic guidance and sophisticated strategies necessary to help gain flexible access to your wealth. In addition, my comprehensive approach focuses on finding tax-efficient ways to overcome the obstacles you face.
Services Include:
The sale of restricted, control and concentrated stocks under SEC Rule 144
Assistance in the exercise of corporate stock options and the sale of restricted share units (RSU) during company-approved open trading windows
Access to Morgan Stanley’s exclusive 10b5-1 Preset Diversification Program®
The purchase of company stock under Rule 10b-18
Wealth transfer and gifting strategies
My Commitment to You
I am committed to delivering a differentiating client experience that emphasizes the following core values that serve as the foundation of my practice.
Long-Term Relationships
I am dedicated to building deep and caring relationships. I do this by working with a select group of clients who value my depth of knowledge in providing comprehensive solutions that go well beyond investments. The bonds I form with you and your family are fundamental to my mission, and it is my intention that they span generations. My goal is to be the last financial advisor you will ever hire.
Experience & Knowledge
In 2016, I earned my Certified Financial Planner™ designation. This certification is the recognized standard of excellence for personal financial planning . I bring this knowledge to you in a manner that is easy to understand and addresses your unique concerns.
Total Wealth Management
Your satisfaction is my priority. I am committed to providing a “one-stop shop” for all of your financial needs. From access to lending services to asset management to retirement funding, I want to be your first phone call for anything financial.
Premium Service
My clients deserve – and expect – a financial advisor who shares their vision, earns their trust and works diligently to create a customized financial blueprint that is designed to achieve financial success. They appreciate my ability to deeply listen to them, so I can articulate the action steps needed to address their specific financial challenges.
A Focus on Education
I believe financial education leads to better insights into my investment strategy, and ultimately, better long-term results. I am focused on providing ongoing education, resulting in enhanced knowledge about investing effectively in today’s complex global markets.
Ongoing Communication
I provide timely market updates to ensure you are aware of current events and the impact these events may have on your investment portfolio.
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Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
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Enroll TodayLocation
411 Borel Ave
Suite 220
San Mateo, CA 94402
US
Direct:
(650) 358-1823(650) 358-1823
Fax:
(650) 358-1859(650) 358-1859
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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
Are You Prepared for Tax Day?
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
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 Philip Horowitz today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Investors 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.
2Alternative 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Morgan 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
7Morgan 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.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
1Investors 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.
2Alternative 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Morgan 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
7Morgan 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.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
CRC 6491812 (04/2024)
