Rowan M Beach, CIMA®
Executive Director, Wealth Management,
Financial Advisor,
Senior Investment Management Consultant
Direct:
(415) 984-6024(415) 984-6024
Toll-Free:
(800) 289-9060(800) 289-9060
My Mission Statement
Working with you to help preserve and grow wealth for your long-term goals
Welcome
One of the biggest and most pressing questions you face is: Am I ready for retirement?
As your Morgan Stanley Financial Advisor, I am here to help you answer that question in a way that makes sense for you and what matters to you most. Whether you are planning to retire in 10 years or 10 months – or, are already in retirement – I will work with you to explore options for building or maintaining your savings so you can enjoy the lifestyle you’ve worked so hard to achieve.
By developing a detailed understanding of your values, concerns and aspirations, I will gain a clear picture of where you are – what you own, how much you need for the retirement you envision and how much investment risk you are comfortable assuming. Together, we will develop and implement a customized retirement strategy that helps you feel confident about your financial future. If your circumstances, needs or priorities change, we will work together as you navigate your path to and through retirement.
You’ve worked hard to build wealth in pursuit of a meaningful life for yourself and your family. Recognizing the substantial effort involved in your achievements, I am dedicated to working just as hard on your behalf, committing my experience, skills and resources to helping you – and your family – achieve your most meaningful goals.
As your Morgan Stanley Financial Advisor, I am here to help you answer that question in a way that makes sense for you and what matters to you most. Whether you are planning to retire in 10 years or 10 months – or, are already in retirement – I will work with you to explore options for building or maintaining your savings so you can enjoy the lifestyle you’ve worked so hard to achieve.
By developing a detailed understanding of your values, concerns and aspirations, I will gain a clear picture of where you are – what you own, how much you need for the retirement you envision and how much investment risk you are comfortable assuming. Together, we will develop and implement a customized retirement strategy that helps you feel confident about your financial future. If your circumstances, needs or priorities change, we will work together as you navigate your path to and through retirement.
You’ve worked hard to build wealth in pursuit of a meaningful life for yourself and your family. Recognizing the substantial effort involved in your achievements, I am dedicated to working just as hard on your behalf, committing my experience, skills and resources to helping you – and your family – achieve your most meaningful goals.
In the Office
Securities Agent: CT, MI, ID, FL, MD, MA, GA, CO, CA, NC, MN, IN, PA, NV, NJ, HI, VA, TN, NY, MS, WA, TX, OR, IL, AZ, AK, MT, MO; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1339313
CA Insurance License #: 0A46227
NMLS#: 1339313
CA Insurance License #: 0A46227
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Education/Associations
Education
F.G.A. - Sir John Cass College, London, England
C.I.M.A., Through I.M.C.A. - The Wharton School University of Pennsylvania, Philadelphia, PA
C.I.M.A., Through I.M.C.A. - The Wharton School University of Pennsylvania, Philadelphia, PA
Associations
Fellow of the Gemmological Association of Great Britain
Investments and Wealth Institute
Investments and Wealth Institute
Experience
Rowan is dedicated to discovering what is meaningful in his client’s lives and then developing strategies to help them achieve their most important goals. Working mainly with retirees and their families, and those who are planning for retirement, Rowan views retirement planning as a critical component of every client’s financial security. He helps his clients articulate a clear vision of the future and create a customized roadmap for reaching their objectives. Rowan considers it a great honor that his clients trust him with their hard-earned wealth, and he takes his responsibility as an advisor very much to heart.
Having spent nearly 30 years with Morgan Stanley in San Francisco, Rowan is positioned to assist his clients in accessing and leveraging the global insights, specialized research and comprehensive suite of services and solutions available at Morgan Stanley . As a Certified Investment Management Analyst® (CIMA®), he integrates a complex body of investment knowledge and contributes to prudent investment decision-making by providing objective advice and sound guidance. Above all, Rowan’s commitment to providing first-class, personalized service is a cornerstone of his success, and he enjoys helping clients meet challenges and celebrate milestones.
Rowan earned his CIMA® certification through the Investment Management Consultants Association® Program at The Wharton School of the University of Pennsylvania.
Happily married for more than 30 years, Rowan lives in Marin County with his wife, Mary. They have three children, and feel extremely fortunate to have a close-knit family. In his spare time, Rowan enjoys boating around the San Francisco Bay Area and spending quality time with his family. As a Fellow of the Gemmological Association of Great Britain, he has also held a lifelong interest in studying gems and crystals as a hobby.
Having spent nearly 30 years with Morgan Stanley in San Francisco, Rowan is positioned to assist his clients in accessing and leveraging the global insights, specialized research and comprehensive suite of services and solutions available at Morgan Stanley . As a Certified Investment Management Analyst® (CIMA®), he integrates a complex body of investment knowledge and contributes to prudent investment decision-making by providing objective advice and sound guidance. Above all, Rowan’s commitment to providing first-class, personalized service is a cornerstone of his success, and he enjoys helping clients meet challenges and celebrate milestones.
Rowan earned his CIMA® certification through the Investment Management Consultants Association® Program at The Wharton School of the University of Pennsylvania.
Happily married for more than 30 years, Rowan lives in Marin County with his wife, Mary. They have three children, and feel extremely fortunate to have a close-knit family. In his spare time, Rowan enjoys boating around the San Francisco Bay Area and spending quality time with his family. As a Fellow of the Gemmological Association of Great Britain, he has also held a lifelong interest in studying gems and crystals as a hobby.
Digital Tools and Resources:
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
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.
Read The Latest ReportClient Service Team
Stephanie Mozur Smith - Wealth Management Associate
Phone:
(415) 984-6584(415) 984-6584
Email:stephanie.m.smith@ms.com
For over 15 years, Stephanie has been building strong relationships by taking the time to get to know every client as an individual with unique needs, desires, hopes and dreams, not to mention interests, children and grandchildren. With her warm demeanor and ability to communicate complex ideas in simple language, she plays a crucial role in connecting with and educating clients to help them feel more confident about their financial future. Stephanie also delivers a high level of service and impeccable attention to detail.
Stephanie began working with Rowan in 2007 and, as a Wealth Management Associate, she handles all of the day-to-day operations and serves as the primary point of contact for client questions and concerns.
Stephanie holds Series 7 and 66 licenses. She earned her B.A. from University of South Alabama with a dual degree in German and International Business.
Raised in Mobile, AL, Stephanie moved to and fell in love with the San Francisco Bay Area in 2007. Stephanie lives in Marin County with her husband and sons. She speaks fluent German and, when she's not helping clients, she most enjoys spending time with her family and mountain biking the trails of Marin.
Stephanie began working with Rowan in 2007 and, as a Wealth Management Associate, she handles all of the day-to-day operations and serves as the primary point of contact for client questions and concerns.
Stephanie holds Series 7 and 66 licenses. She earned her B.A. from University of South Alabama with a dual degree in German and International Business.
Raised in Mobile, AL, Stephanie moved to and fell in love with the San Francisco Bay Area in 2007. Stephanie lives in Marin County with her husband and sons. She speaks fluent German and, when she's not helping clients, she most enjoys spending time with her family and mountain biking the trails of Marin.
Location
555 California St
35th Floor
San Francisco, CA 94104
US
Direct:
(415) 984-6024(415) 984-6024
Toll-Free:
(800) 289-9060(800) 289-9060
Fax:
(415) 984-6596(415) 984-6596
Wealth Management
From My Desk
Rowan Beach Fact Card
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
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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Ready to start a conversation? Contact Rowan M Beach today.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
4Investors 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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6When 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.
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
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
4Investors 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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6When 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.
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)
