Carla J Koren
Managing Director, Wealth Management, Financial Advisor, Family Wealth Director, Corporate Retirement Director
Phone:
(510) 891-5240(510) 891-5240
Rose Bridge Wealth Management Group at Morgan Stanley
Direct:
(510) 891-5240(510) 891-5240
Toll-Free:
(800) 755-1579(800) 755-1579
Our Mission Statement
We have learned that history will not hand you the answers, but it can help you ask the right questions.
As a woman-led team, we know every money story is different. We bring that long perspective to your financial planning, so you have someone steady beside you through each season of life. With candor, empathy, and ethics at the center of our work, we earn the trust that allows you to move forward with confidence.
As a woman-led team, we know every money story is different. We bring that long perspective to your financial planning, so you have someone steady beside you through each season of life. With candor, empathy, and ethics at the center of our work, we earn the trust that allows you to move forward with confidence.
About You
Something brought you here.
Rarely does someone wake up on a Tuesday and decide to find a financial advisor. Maybe you have managed things on your own for years, and it worked. Then something changed: the markets got volatile, life got busier, or your wealth or family situation shifted. Now you have reached the point where you know you ant to evaluate whether to continue going it alone, and you are looking to explore professional help.
Does any of this sound like you?
Your income changed dramatically, possibly through a promotion, liquidity event, or business sale. Suddenly, you are bringing in more than you ever have, and instead of feeling secure, you feel exposed. A comprehensive strategy may not yet be in place, and you are worried about the potential impact of not knowing.
You have money everywhere, and no clear picture of what you have (or what you will owe at tax season). One account here, an old 401(k) there, perhaps a brokerage account you opened years ago. You have been so focused on earning that the organizing never happened. You suspect you may be overpaying in taxes and missing opportunities. You just haven't had the right person to help you evaluate your options.
Something happened in your family that changed everything. A spouse passed away, or you are newly divorced, or have a parent whose finances you are now responsible for. You are facing serious decisions in the middle of one of the hardest moments of your life, and you need professional guidance to help you naviage these transitions.
You have significant wealth and no plan. If something happened to you tomorrow, would the people you love be affected? You know you need to do something; you just haven't known where to start.
What you are feeling has a name.
Many individuals in this moment describe some version of the same thing: a deep uncertainty about whether they are doing enough, making the right moves, and addressing the needs of the people who depend on them. The financial world is complex, and the stakes at this stage of life are high.
What often helps is working with a financial professional who knows which questions to ask, and how to help you address the answers. Questions like:
- Where has complexity crept into your financial life, and what strategies can we implement to address?
- What areas of your finanical plan do you feel need more alignment or coordination?
- What are your long-term wealth goals, and who depends on you?
If you are looking for guidance on these questions, we are here to help.
You do not have to figure this out alone.
We are Carla, Jonathan, and Margaret, three advisors at Morgan Stanley dedicated to helping professionals through exactly these moments. From our home base in the Bay Area, we work with clients across the country. We are not a call center, and we are not transactional. We know your kids' names, your parents' situation, and why you are working this hard in the first place. Our role is to be the one team that sees your whole picture, strives to coordinate your complex moving parts, and works diligently to help ensure nothing falls throug the crack.
Having the right team can be an important factor. The question is whether you have found the right fit for your needs.
Services Include
- Endowments and FoundationsFootnote1
- Estate Planning StrategiesFootnote2
- Financial PlanningFootnote3
- Lending Products
- Life InsuranceFootnote4
- Long Term Care InsuranceFootnote5
- Philanthropic Services
- Professional Portfolio ManagementFootnote6
- Retirement PlanningFootnote7
- Sustainable InvestingFootnote8
- Taft-Hartley Plans
- Alternative InvestmentsFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
1999 Harrison St
Suite 2200
Oakland, CA 94612
US
Direct:
(510) 891-5240(510) 891-5240
Toll-Free:
(800) 755-1579(800) 755-1579
Meet Rose Bridge Wealth Management Group
Phone:
(510) 891-0591(510) 891-0591
Phone:
(510) 891-5241(510) 891-5241
Karen Jaffe, CFP®
Senior Registered Client Service Associate
Phone:
(510) 891-5278(510) 891-5278
Robyn M. Johnson
Group Director
Phone:
(510) 891-0557(510) 891-0557
Terry Anne Boldt-De Gunto
Wealth Management Associate
Phone:
(510) 891-5204(510) 891-5204
Francisca Sanchez, CFP®
Financial Planning Analyst
Phone:
(510) 891-5237(510) 891-5237
Sean Anderson
Registered Client Service Associate
Phone:
(510) 891-0505(510) 891-0505
Sabrina Kheirolomoom
Client Service Associate
Phone:
(510) 891-5213(510) 891-5213
Luke Peterson
Client Service Associate
Phone:
(510) 891-5214(510) 891-5214
About Carla J Koren
With over three decades of financial consulting experience, Carla Koren serves as Managing Director, Corporate Retirement Director, and Financial Advisor at Morgan Stanley Wealth Management in Oakland, California, leading the Rose Bridge Wealth Management Group.
Carla advises high-net-worth families, individuals and owners of closely held businesses across the various stages of their financial lives. This includes investment management, financial planning, risk management, estate and legacy planning strategies —all with a keen focus on tax-efficiency and tax-management.
Her practice places particular emphasis on family wealth and intergenerational planning. This includes working with clients' adult children and preparing families for wealth transfer, as well as complex situations involving aging parents, special needs planning, and long-term care.
Accountability has always been paramount for Carla. One of the most important ways she demonstrates this is in how she communicates with clients: direct, and without judgment about their family circumstances. That is a non-negotiable standard.
Much of what Carla brings to a relationship comes from the depth of her experience and the questions she thinks to ask. She strives to thoroughly analyze complicated estate or liquidity matters and frequently identifies strategies for consideration that may have been overlooked. Clients frequently value this rigorous approach, particularly during business sales, inheritances, and other major transitions.
Alongside her work with families, Carla serves as a fiduciary partner to retirement plan sponsors, non-profit organizations, endowments and foundations. This requires extensive experience in supporting them through investment policy development, implementation of investment plans, ongoing due diligence and oversight, and participant and stakeholder education. As a Corporate Retirement Plan Director, she also advises on plan design and vendor evaluation.
Carla leads a team of investment professionals in Oakland, including several CERTIFIED FINANCIAL PLANNER™ practitioners. The group serves as a single point of coordination across a client's other advisors, bringing specialized capabilities such as private market investments and Impact/ESG investing to each relationship.
Carla is a Phi Beta Kappa graduate of UCLA (magna cum laude) and earned her MBA from the Haas School of Business at UC Berkeley. She holds the Certified Investment Management Analyst (CIMA®) designation from the Wharton School of Business and is a member of the Association of Professional Investment Consultants (APIC) and the International Foundation of Employee Benefit Plans. Her Morgan Stanley designations include Corporate Retirement Director, a designation held by 135 professionals, as well as Family Wealth Director, Investing with Impact Director, and Alternatives Director.
She has presented on business practice management for Smith Barney Training, and to several organizations, including the Investment Management Consultants Association (ICMA), the Women Presidents’ Organization, and the International Foundation of Employee Benefit Plans.
Outside her practice, Carla is committed to community stewardship, with a focus on organizations serving children from under-resourced communities and women at every stage of life. She currently serves on the Board and Finance and Investment Committee of Girls, Inc. of Alameda County, as well as the Board and Finance Committee of Temple Sinai Oakland and is a past board president of the Junior League of Oakland East Bay.
Carla advises high-net-worth families, individuals and owners of closely held businesses across the various stages of their financial lives. This includes investment management, financial planning, risk management, estate and legacy planning strategies —all with a keen focus on tax-efficiency and tax-management.
Her practice places particular emphasis on family wealth and intergenerational planning. This includes working with clients' adult children and preparing families for wealth transfer, as well as complex situations involving aging parents, special needs planning, and long-term care.
Accountability has always been paramount for Carla. One of the most important ways she demonstrates this is in how she communicates with clients: direct, and without judgment about their family circumstances. That is a non-negotiable standard.
Much of what Carla brings to a relationship comes from the depth of her experience and the questions she thinks to ask. She strives to thoroughly analyze complicated estate or liquidity matters and frequently identifies strategies for consideration that may have been overlooked. Clients frequently value this rigorous approach, particularly during business sales, inheritances, and other major transitions.
Alongside her work with families, Carla serves as a fiduciary partner to retirement plan sponsors, non-profit organizations, endowments and foundations. This requires extensive experience in supporting them through investment policy development, implementation of investment plans, ongoing due diligence and oversight, and participant and stakeholder education. As a Corporate Retirement Plan Director, she also advises on plan design and vendor evaluation.
Carla leads a team of investment professionals in Oakland, including several CERTIFIED FINANCIAL PLANNER™ practitioners. The group serves as a single point of coordination across a client's other advisors, bringing specialized capabilities such as private market investments and Impact/ESG investing to each relationship.
Carla is a Phi Beta Kappa graduate of UCLA (magna cum laude) and earned her MBA from the Haas School of Business at UC Berkeley. She holds the Certified Investment Management Analyst (CIMA®) designation from the Wharton School of Business and is a member of the Association of Professional Investment Consultants (APIC) and the International Foundation of Employee Benefit Plans. Her Morgan Stanley designations include Corporate Retirement Director, a designation held by 135 professionals, as well as Family Wealth Director, Investing with Impact Director, and Alternatives Director.
She has presented on business practice management for Smith Barney Training, and to several organizations, including the Investment Management Consultants Association (ICMA), the Women Presidents’ Organization, and the International Foundation of Employee Benefit Plans.
Outside her practice, Carla is committed to community stewardship, with a focus on organizations serving children from under-resourced communities and women at every stage of life. She currently serves on the Board and Finance and Investment Committee of Girls, Inc. of Alameda County, as well as the Board and Finance Committee of Temple Sinai Oakland and is a past board president of the Junior League of Oakland East Bay.
Securities Agent: AZ, SC, MA, IA, FL, NC, ID, DE, VA, UT, TN, NY, NM, CO, MI, MD, DC, WA, PA, IL, NJ, OH, NV, MT, HI, WI, TX, OR, MN, SD, NH, AR, CT, GA, CA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1279304
CA Insurance License #: 0A37068
NMLS#: 1279304
CA Insurance License #: 0A37068
About Jonathan Lew
Jonathan Lew, CFP®, is a Financial Advisor with Morgan Stanley Wealth Management in Oakland, California, and First Vice President of the Rose Bridge Wealth Management Group. He works closely with each client to understand their individual needs and guide them toward their financial goals, providing tailored services across investment management, retirement planning, risk management, and tax-sensitive strategies.
Before entering financial services, Jonathan spent five years as a mechanical engineer. That analytical foundation, combined with a fascination with how money shapes people's lives, led him to pursue a career as a financial advisor.
Jonathan graduated from California State University, Chico with a bachelor's degree in mechanical engineering and earned his MBA from Saint Mary's College of California. He holds the CERTIFIED FINANCIAL PLANNER™ designation.
Before entering financial services, Jonathan spent five years as a mechanical engineer. That analytical foundation, combined with a fascination with how money shapes people's lives, led him to pursue a career as a financial advisor.
Jonathan graduated from California State University, Chico with a bachelor's degree in mechanical engineering and earned his MBA from Saint Mary's College of California. He holds the CERTIFIED FINANCIAL PLANNER™ designation.
Securities Agent: AR, DE, NM, NC, WA, GA, CO, NH, FL, VA, UT, CA, TN, PA, NY, MT, MD, OR, MI, IL, HI, DC, AZ, MA, WI, NV, MN, IA, TX, OH, NJ, ID, CT, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 1915558
CA Insurance License #: 4078142
NMLS#: 1915558
CA Insurance License #: 4078142
About Margaret Hiller
Margaret Hiller, CFP®, is a Vice President and Financial Advisor with Rose Bridge Wealth Management Group, a Morgan Stanley Wealth Management firm located in Oakland, California. She provides comprehensive wealth planning and investment management for high-net-worth families and partners with retirement plan committees to help them fulfill their fiduciary responsibilities through thoughtful governance and investment oversight.
With a career spanning more than 30 years, Margaret joined Morgan Stanley in 2023, bringing clients the personalized attention of a boutique experience supported by the depth and resources of a global firm. She advises on all aspects of clients' wealth, including investment management, financial planning, risk management, estate planning, and tax-sensitive strategies, taking an educational, consultative approach tailored to each client's needs.
Margaret is a graduate of Princeton University. She holds the CERTIFIED FINANCIAL PLANNER™ designation and is a member of the Association of Professional Investment Consultants (APIC). She has been a member of the Morgan Stanley Pacesetter’s Club since 2024 and has been awarded the internal designation of Portfolio Manager.
Disclaimer:
Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
With a career spanning more than 30 years, Margaret joined Morgan Stanley in 2023, bringing clients the personalized attention of a boutique experience supported by the depth and resources of a global firm. She advises on all aspects of clients' wealth, including investment management, financial planning, risk management, estate planning, and tax-sensitive strategies, taking an educational, consultative approach tailored to each client's needs.
Margaret is a graduate of Princeton University. She holds the CERTIFIED FINANCIAL PLANNER™ designation and is a member of the Association of Professional Investment Consultants (APIC). She has been a member of the Morgan Stanley Pacesetter’s Club since 2024 and has been awarded the internal designation of Portfolio Manager.
Disclaimer:
Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
Securities Agent: NM, MA, SD, MI, AR, WI, OH, NH, MT, DC, UT, NV, IL, HI, TX, TN, PA, MN, GA, FL, CO, ID, CT, CA, NY, MD, WA, VA, DE, AZ, OR, NJ, NC, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 2724227
NMLS#: 2724227
About Karen Jaffe
Karen sees her CFP® as a way to bring sharpened skills and insight to her support of the Rose Bridge team's clients.
She graduated cum laude from the College of William and Mary with a double major in Economics and History. For the next two decades she worked for non-profit advocacy organizations, raising funds and educating donors for national organizations and in Oregon.
Karen has lived in downtown Oakland for the last ten years with a growing and thriving houseplant cultivating hobby. One of her other joys is travel. Her favorite trips in the past few years have been to New York City and Helsinki, Finland.
Disclaimer: This role cannot solicit or provide investment advice.
She graduated cum laude from the College of William and Mary with a double major in Economics and History. For the next two decades she worked for non-profit advocacy organizations, raising funds and educating donors for national organizations and in Oregon.
Karen has lived in downtown Oakland for the last ten years with a growing and thriving houseplant cultivating hobby. One of her other joys is travel. Her favorite trips in the past few years have been to New York City and Helsinki, Finland.
Disclaimer: This role cannot solicit or provide investment advice.
About Robyn M. Johnson
With over 30+ years of experience in the financial industry, Robyn is the Group Director of the Rose Bridge team. She works closely with the support team, advisors and management to ensure the effective management of the team’s operations.
She is responsible for overseeing daily operations, managing strategic goals and ensuring the team delivers high quality results. Prior to this role, Robyn held leadership positions at New York Life Insurance Company and Franklin Templeton.
Robyn earned her bachelor’s degree in Psychology from California State, Hayward and her MBA from the Zicklin School Business at Baruch College in New York City.
She lives in the San Joaquin Valley with her partner and their two pups. Outside of work, Robyn enjoys gardening and traveling.
She is responsible for overseeing daily operations, managing strategic goals and ensuring the team delivers high quality results. Prior to this role, Robyn held leadership positions at New York Life Insurance Company and Franklin Templeton.
Robyn earned her bachelor’s degree in Psychology from California State, Hayward and her MBA from the Zicklin School Business at Baruch College in New York City.
She lives in the San Joaquin Valley with her partner and their two pups. Outside of work, Robyn enjoys gardening and traveling.
About Terry Anne Boldt-De Gunto
Terry Anne Boldt-DeGrunto brings more than 26 years of experience in wealth management, client service, and operations. She began her career in professional golf management, coordinating global travel and sponsorships for a PGA Tour player who competed across the U.S., Asia, and South Africa. In this role, she successfully negotiated equipment and apparel contracts with leading brands such as Titleist, Nike, and Ping golf.
Terry subsequently left the world of golf and turned to finance. She joined a global finacial firm in San Ramon, where she spent 24 years as a Wealth Management Associate. She became a trusted partner to advisors and clients alike, overseeing audits, managing operations, and delivering high-touch service.
Terry joined our Rose Bridge team in 2023 and brought her "service with a smile." She applies her organizational expertise, dedication, and relationship-building skills to support clients in achieving their long-term financial goals.
Terry subsequently left the world of golf and turned to finance. She joined a global finacial firm in San Ramon, where she spent 24 years as a Wealth Management Associate. She became a trusted partner to advisors and clients alike, overseeing audits, managing operations, and delivering high-touch service.
Terry joined our Rose Bridge team in 2023 and brought her "service with a smile." She applies her organizational expertise, dedication, and relationship-building skills to support clients in achieving their long-term financial goals.
About Francisca Sanchez
With over 15 years of experience in the financial industry, Francisca specializes in administering employer-sponsored retirement plans. She works closely with plan sponsors, third-party administrators (TPAs), and 401(k) participants, serving as a liaison to ensure an exceptional financial experience.
Francisca brings a strong background in client service, relationship management, and business operations. Fluent in Spanish, she leverages her bilingual skills to better serve a diverse client base. Drawing on her extensive industry knowledge, she now helps clients create personalized, comprehensive financial plans tailored to their unique goals and needs.
Francisca earned her bachelor’s degree in Business Finance from San Francisco State University and later pursued her CERTIFIED FINANCIAL PLANNER™ (CFP®) designation.
She lives in the East Bay with her husband and their 5-year-old son. Outside of work, Francisca enjoys working out, spending time outdoors, and sharing quality moments with family and friends.
Disclaimer: This role cannot solicit or provide investment advice.
Francisca brings a strong background in client service, relationship management, and business operations. Fluent in Spanish, she leverages her bilingual skills to better serve a diverse client base. Drawing on her extensive industry knowledge, she now helps clients create personalized, comprehensive financial plans tailored to their unique goals and needs.
Francisca earned her bachelor’s degree in Business Finance from San Francisco State University and later pursued her CERTIFIED FINANCIAL PLANNER™ (CFP®) designation.
She lives in the East Bay with her husband and their 5-year-old son. Outside of work, Francisca enjoys working out, spending time outdoors, and sharing quality moments with family and friends.
Disclaimer: This role cannot solicit or provide investment advice.
About Sean Anderson
Sean joined the Rose Bridge Group in 2024 as a Registered Client Service Associate with an emphasis on investment analysis. In this role, he focuses on producing client performance reports and monitoring asset managers, mutual funds, ETF’s, and individual companies, on behalf of the team.
Sean leverages his background in law enforcement, where he specialized in investigations, to provide accurate, comprehensive, and actionable analysis on behalf of clients.
Sean earned his bachelor’s degree in Business Administration from California State University – East Bay.
In his free time, Sean enjoys going to the gym, backpacking, and traveling with his wife.
Sean leverages his background in law enforcement, where he specialized in investigations, to provide accurate, comprehensive, and actionable analysis on behalf of clients.
Sean earned his bachelor’s degree in Business Administration from California State University – East Bay.
In his free time, Sean enjoys going to the gym, backpacking, and traveling with his wife.
About Sabrina Kheirolomoom
Sabrina joined the Rose Bridge team in 2025 and brings a unique and disciplined perspective to her role as a Client Service Associate, having spent the past few years as a professional ballet dancer while simultaneously earning her Bachelor’s degree in Finance from Purdue University Global. Her background in the ballet has instilled in her a strong work ethic, exceptional attention to detail, and a commitment to excellence — all of which she now applies in serving clients with care and precision.
Originally from California’s East Bay, Sabrina has lived in several major cities including Chicago, New York, and San Antonio, and recently returned to the Bay Area to pursue her passion for finance full time. Known for her organization, reliability, and ability to learn quickly, she is excited to support clients and advisors alike as part of the wealth management team.
Outside of work, Sabrina enjoys dancing, Pilates, crocheting, and baking.
Originally from California’s East Bay, Sabrina has lived in several major cities including Chicago, New York, and San Antonio, and recently returned to the Bay Area to pursue her passion for finance full time. Known for her organization, reliability, and ability to learn quickly, she is excited to support clients and advisors alike as part of the wealth management team.
Outside of work, Sabrina enjoys dancing, Pilates, crocheting, and baking.
About Luke Peterson
Luke joined the Rose Bridge Wealth Management team in 2026 as a Client Service Associate focusing on expanding client outreach and community engagement, arranging client events, and developing strategic initiatives. In this role, Luke leverages his background with the Los Angeles Rams, where he served on the international marketing team. He also brings valuable and relevant experience from his time at Voya Financial, where he worked on the mutual fund custodial account distribution team.
Luke earned his bachelor’s degree in Communication from the University of California Los Angeles. Originally from the mountain community of Lake Arrowhead in Southern California, Luke enjoys spending time on the lake boating and wakeboarding, traveling, and passionately cheering on UCLA athletics in his free time.
Luke earned his bachelor’s degree in Communication from the University of California Los Angeles. Originally from the mountain community of Lake Arrowhead in Southern California, Luke enjoys spending time on the lake boating and wakeboarding, traveling, and passionately cheering on UCLA athletics in his free time.
Contact Carla J Koren
*Required Fields
Contact Jonathan Lew
*Required Fields
Contact Margaret Hiller
*Required Fields
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
Cindy W. Lee
Private Banker
About Cindy W. Lee
Cindy Lee is a Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Cindy began her career in financial services in 1996 and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Custom Residential
Real Estate Specialist at Bank of America/Merrill Lynch where she also served as a Wealth Management Banker and Financial Advisor.
Cindy is a graduate of San Francisco State University, where she received a Bachelor of Science in Business Management. She resides in the Bay Area with her family. Outside of the office, Cindy dedicates time to volunteering, enjoys traveling, reading, watching sports and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Cindy began her career in financial services in 1996 and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Custom Residential
Real Estate Specialist at Bank of America/Merrill Lynch where she also served as a Wealth Management Banker and Financial Advisor.
Cindy is a graduate of San Francisco State University, where she received a Bachelor of Science in Business Management. She resides in the Bay Area with her family. Outside of the office, Cindy dedicates time to volunteering, enjoys traveling, reading, watching sports and spending time with family and friends.
NMLS#: 637460
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
Iran Conflict: Seven Takeaways for Investors
Article Image
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
Ready to start a conversation? Contact Rose Bridge Wealth Management Group today.
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.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate 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.
7When 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.
8Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Alternative 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.
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
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate 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.
7When 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.
8Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Alternative 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.
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), 4763067 (9/2025)
