Phone:
(415) 482-1545(415) 482-1545
RJW Group at Morgan Stanley
Direct:
(415) 460-6207(415) 460-6207
Our Mission Statement
Regardless of the challenges you may face, we’re here to help you navigate the trends with confidence every step of the way
Our Story and Services
With over 3 decades of combined experience, we draw upon our knowledge and education to bring the best of Morgan Stanley to our clients from all walks of life. Our holistic approach to wealth management integrates your objectives into a personalized plan that grows and changes as your life does.
Our goal is to earn your trust through our diligent and transparent communication as well as through the methods with which we are able to help address your concerns. We are proud of the long-term relationships we have with our clients and are continuously satisfied when we are able to help one generation pass on their legacy to the next.
Our clients are like family to us, and we look forward to being able to have a conversation around helping you prepare for a successful future.
Our goal is to earn your trust through our diligent and transparent communication as well as through the methods with which we are able to help address your concerns. We are proud of the long-term relationships we have with our clients and are continuously satisfied when we are able to help one generation pass on their legacy to the next.
Our clients are like family to us, and we look forward to being able to have a conversation around helping you prepare for a successful future.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
RETIRE WITH CONFIDENCE
We can help you map a comprehensive retirement plan that dynamically adjusts investing strategies based on the different stages of your life and accounts for your preferences, goals, and life events. Let’s connect if you would like to learn more about how we can help you retire with confidence.
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Tax-Smart Strategies for Your Retirement
Figuring out ways to minimize how much the IRS takes from your retirement money should be a central part of retirement planning. Consider these strategies to help you reduce your taxable income, generate tax-advantaged growth potential in your accounts and keep more of what you’ve worked so hard to save.
Learn MoreRESOURCES TO HELP YOU PREPARE
Figuring out ways to minimize how much the IRS takes from your retirement money should be a central part of your planning. Below are several resources to help you get started. If you’d like to learn more, schedule a conversation today.
2023 Retirement Contribution Limits
Planning for retirement is vital, understanding the limits for your retirement contributions empowers you to best prepare for retirement.
View 2023's Contribution Limits
Required Minimum Distributions (RMDs)
Timing your retirement income? With recent regulatory changes about 2022 required minimum distributions (RMDs), it’s important to think about timing your withdrawals. Given tougher regulatory, tax, and market conditions, you may want to consider taking your RMD sooner than later. Here’s what you need to know.
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SECURE 2.0 Act Updates
Over the next several years, SECURE 2.0 puts in place numerous provisions designed to enhance your ability to save for retirement through increased contribution opportunities, changes to rules affecting distributions from retirement accounts and benefits to establishing a retirement savings. Collectively, these changes may influence how you save and use your savings over time.
View the Updates
Tax-Efficient Giving
Many of us prefer to combine our support for the causes and people we care about with a desire to save on taxes. Fortunately, there are strategies that may help us accomplish both. Whether you want to donate to charity or invest in a loved-one’s future, consider these tax‐smart ways to help make your giving go further.
Learn More About GivingEXCLUSIVE OFFERS FROM MORGAN STANLEY
Reserved Living & Giving is a tiered complimentary loyalty program with rewards for Morgan Stanley's clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services. As a Reserved member, you will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics. So, whether you'd like to get behind the wheel of your dream car, enjoy the perfect wine pairing, or choose a thoughtful gift, you'll find unique opportunities with Reserved Living & Giving. Best of all, you can share the shopping treasures, travel adventures and simple pleasures with your family.
Reserved Offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health & Wellness, Travel, Entertainment and more.
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Curated insights and articles spanning such topics as Family, Lifestyle, Health & Planning, Travel, and Giving Back.
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Signature Access
In addition to all Reserved benefits, clients who qualify for our highest tier, Signature Access, are connected to a vetted network of professionals who can craft custom solutions for your family's exceptional needs such as Art Advisory, Private Health Advisory, Cybersecurity, and bespoke travel services.
Signature Access
NEXT
Our NEXT program is specially curated to help our community of young clients discover new insights, connect with peers, and take action towards their impact goals. NEXT members will also enjoy Reserved or Signature Access benefits, depending on their eligibility.
NEXT AccessTAILORED INSIGHT FROM OUR DESK TO YOURS
As a team, we make it a priority to not only help our clients stay up to date with their strategies but also with the market at large. Check here regularly to stay in the know with news and content from our practice and the world.
Thoughts On the Market Podcast
Join Mike Wilson, Chief Investment Officer, and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
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On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
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The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Listen to the Latest EpisodeLocation
1101 5th Avenue
Ste 275
San Rafael, CA 94901
US
Direct:
(415) 460-6207(415) 460-6207
Meet RJW Group
Phone:
(415) 482-1544(415) 482-1544
Vinny Spence
Client Service Assoicate
Phone:
(415) 482-1551(415) 482-1551
About Me
Rod brings nearly 30 years of industry experience to the RJW Group. After getting his start in Merrill Lynch's training program 28 years ago, he quickly grew into his role as a sole practitioner, and later into a management role.
Prior to joining Morgan Stanley in 2023, Rod acted as a producing branch manager at Merrill Lynch for 22 years, during which time he earned his Chartered Retirement Planning Counselor (CRPC) designation, as well as his Personal Investment Advisor designation.
Rod graduated from the University of San Francisco, where he played basketball on a team that ranked #1 in the country for 9 weeks.
Rod has been married to his wife for 39 years and has 3 children.
Prior to joining Morgan Stanley in 2023, Rod acted as a producing branch manager at Merrill Lynch for 22 years, during which time he earned his Chartered Retirement Planning Counselor (CRPC) designation, as well as his Personal Investment Advisor designation.
Rod graduated from the University of San Francisco, where he played basketball on a team that ranked #1 in the country for 9 weeks.
Rod has been married to his wife for 39 years and has 3 children.
Securities Agent: MI, OR, WA, SD, WY, WI, VA, UT, TX, SC, RI, PA, OH, NY, NV, NJ, NH, NE, ND, NC, MT, MO, NM, MD, MA, LA, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AK, KS; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 558343
CA Insurance License #: 0B95717
NMLS#: 558343
CA Insurance License #: 0B95717
About Me
Jack brings over a decade of industry experience to the RJW Group. After getting his start at Merrill Lynch on the Corporate Benefit and Advisory team, he became a financial advisor in 2014.
Prior to joining Morgan Stanley in 2023, Jack earned his Certified Plan Fiduciary Advisor (CPFA) designation, as well as his Personal Investment Advisor designation.
Jack is a graduate of California Lutheran University, where he was a member of the men's golf team.
Prior to joining Morgan Stanley in 2023, Jack earned his Certified Plan Fiduciary Advisor (CPFA) designation, as well as his Personal Investment Advisor designation.
Jack is a graduate of California Lutheran University, where he was a member of the men's golf team.
Securities Agent: NE, NV, WI, TX, PA, WY, WA, VA, UT, SD, SC, RI, OR, OH, NY, NM, NJ, NH, NC, MT, MO, MD, MA, LA, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AK, ND, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1240800
CA Insurance License #: 0L83385
NMLS#: 1240800
CA Insurance License #: 0L83385
Contact Rodney A. Williams
Contact John F. Williams
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
Madison George
Planning Associate
About Madison George
Madison George is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Madison provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate degree from Fairfield University and received the Financial Planning Specialist® designation from the College for Financial Planning. Madison is originally from and currently resides in Garden City, New York.
She earned her undergraduate degree from Fairfield University and received the Financial Planning Specialist® designation from the College for Financial Planning. Madison is originally from and currently resides in Garden City, New York.
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
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
Ready to start a conversation? Contact RJW Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
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, charitable giving, philanthropic 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
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, charitable giving, philanthropic 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.
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)
