My Story

At the Crawford-Hogan-Wang Group of Morgan Stanley, we believe success is when you can spend your time focusing on your family, your profession, your community and the pursuit of your life’s greatest passions.

We believe in fully engaging your unique needs, values and goals from a place trust, confidence and conviction, while taking the time to educate your family on tailored investment strategies and overall wealth planning.  

. Along with this we also commit to:

- Providing professionalism with soul, as we construct financial strategies to facilitate our clients’ life goals

- Walking alongside you through critical moments in a life-long relationship

- Using industry-leading expertise to guide you through various economic cycles

- Operating with compassion, integrity and transparency

We are proud to exemplify Morgan Stanley’s commitment to providing first-class business in a first-class way, leveraging our leading global research and thought leadership.

We are the Crawford-Hogan-Wang Group at Morgan Stanley, and we hope to have the opportunity to earn your trust. Please click below to view our team website.
Services Include
  • Wealth Management1
  • Asset Management2
  • Business Succession Planning3
  • Divorce Financial Analysis4
  • Estate Planning Strategies5
  • Executive Financial Services6
  • Financial Planning7
  • Retirement Planning8
  • Sustainable Investing9
Securities Agent: AZ, CA, CO, CT, DC, FL, GA, HI, ID, IL, MA, MD, MI, NJ, NM, NV, NY, OR, PA, SC, TX, VA, VT, WA; Investment Advisor Representative; General Securities Representative; Managed Futures
NMLS#: 1285097
Check the background of Our Firm and Investment Professional on FINRA's BrokerCheck.*

Our Clients

Our clients’ wealth is treated with the same care as our own. We take considerable responsibility as stewards of that wealth, so our clients can enjoy financial independence and increased flexibility. Our clients typically have more than one million of investable assets, allowing us to serve them with the depth, focus, and attention they deserve.  


We are blessed with a practice built upon trust and referrals: Our clients regularly ask us to take care of their family and friends; further, our clients’ professional advisors end up entrusting their other client to us. This ongoing affirmation of our work is integral to our business and inspires us to always do our best for our clients. We recognize that our role goes beyond the dollar to impact the broader lives of our clients and their communities.


Many of our clients identify with the following:

Professionals—Professionals across various industries have accumulated wealth over time. We help them build on this foundation of savings with careful retirement planning and tax optimization.

Executives—Busy executives have incredible demands and expectations placed upon them. We ensure their finances are taken care of through investments, diversification, estate-planning and tax-mitigation strategies.

Retirees—Many of our clients are able to retire comfortably because we help them live off revenue generated from their portfolios, so they can pursue leisure activities, philanthropic efforts, and time with loved ones.

Divorcees—Divorcees are faced with settlement challenges and emotional upheaval, all while transitioning to independently managing their finances. We empower them with new knowledge and divorce-specific financial analysis so they are better prepared to evaluate settlement proposals in coordination with their legal and tax counsel.

Business Owners—Difficult work goes into preparing for business succession. We help develop the most suitable strategy to achieve succession goals, whether through Employee Stock Ownership Plans, retirement plans, training up key employees, or facilitating a sale.

Sudden Wealth—Inheriting money or experiencing a liquidity event brings tremendous opportunity and responsibility. We coach our clients on disciplined and tax efficient diversification strategies helping them to manage their wealth and reduce their risk.



Our Services

To guide our efforts, we collaborate with you to identify the relevant financial planning areas for you and your family in designing your financial strategy:

• Retirement Planning—preparing you for the rich and full retirement you’ve worked so hard to achieve
• Tax Planning— understanding “it’s not what you make, it’s what you keep” by optimizing your after tax returns
• Estate Planning— fulfilling your legacy wishes for future generations
• Protection Planning—preparing for the “what ifs” in health and life
• Educational Planning¬—determining the best options for financing your family’s educational endeavors
• Investment Planning—having a plan that can weather the volatility of the markets over time
• Transition Planning—being there when you need us most, during times of divorce or death
• Sudden Wealth or Concentrated Wealth—making smart decisions regarding liquidity events or diversification strategies
• Supporting Cherished Causes—coordinating with your estate/tax advisors on tax-advantaged gifting options

    Biography

    Sandra is a CERTIFIED FINANCIAL PLANNER™ practitioner, Chartered Financial Consultant®, and Certified Divorce Financial Analyst® – leveraging her multidisciplinary background in advising families through wealth accumulation/transfer and coaching their next generation in financial stewardship. Sandra has been featured in national media for her interdisciplinary work with families to address their conflicts around money: The New York Times, MSN Money, Parents magazine, National Public Radio “The Takeaway” as well as the personal finance book “The 10 Commandments of Money.” Sandra was named to Working Mother Magazine’s 2018 and 2017 inaugural list of Top Women Wealth Advisor Moms.

    Sandra earned an International MBA from Instituto de Empresa in Spain as a Fulbright Scholar, graduating with honors, Beta Gamma Sigma Honors Society. Sandra worked in health care management for a few years as a clinical supervisor and Licensed Marriage and Family Therapist. She earned her Masters degree in Psychology from JFK University and her Bachelors in English Literature from UC Berkeley as a Regents Scholar, graduating Phi Beta Kappa, Highest Honors. Sandra is fluent in English, Mandarin, and Spanish.

    Sandra regularly teaches "21st Century Retirement Planning" at Stanford University’s Continuing Studies Program.

    Within the Crawford-Hogan-Wang Group, Sandra develops tailored retirement, philanthropic, and estate planning strategies for clients, while supporting them through key life transitions -divorce, sudden wealth, special needs, or business succession planning.

    Sandra enjoys hiking, jogging, scuba diving, and camping. She has backpacked to 50+ countries and enjoys adventures with her husband and 3 children. Sandra is active in Menlo Church in Saratoga, Project Cornerstone in the Saratoga schools, and Palo Alto University Rotary’s International Service projects in El Salvador. Sandra was awarded the Bo Smith Award for exemplifying the global vision of Rotary International.

      Community Involvement

      As part of our profession, we consider it our responsibility and privilege to give-back to the community, by providing education to improve awareness and decision-making around financial matters. Our team regularly teaches a course on Planning for 21st Century Retirement through Stanford Continuing Studies to help participants create personal retirement plans to integrate their financial objectives within a framework of their goals and values.


      As a team, we are passionate about giving back to our local and global communities through the following causes:
      • Grolier Club
      • Global Village/Habitat for Humanity
      • Rotary Club
      • YMCA’s Project Cornerstone in the local schools
      • Menlo Church Saratoga

      Location

      245 Lytton Avenue
      Suite 200
      Palo Alto, CA 94301
      US
      Direct:
      (650) 838-4215(650) 838-4215
      Toll Free:
      (800) 755-8081(800) 755-8081
      Fax:
      (650) 265-2059(650) 265-2059

      Investment and Market Perspectives

      On the Markets

      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
      The Simple Six-Step Retirement Checkup

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      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
      Five Smart Strategies to Use a Bonus or Raise

      Five Smart Strategies to Use a Bonus or Raise

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      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
      Financial Transition: A Guide for Women

      Financial Transition: A Guide for Women

      Here's how to take control of your finances if a death or divorce leaves you holding the reins.

      Business Planning

      Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
      • Succession Planning
      • Business Planning
      • Retirement Plan Sponsors
      • Qualified Retirement Plans
      • Corporate Pension Funds
      6 Keys to Building a Startup

      6 Keys to Building a Startup

      Entrepreneurs share ideas and learnings from the experience of starting a company.

      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
      A New Roadmap for Mission Alignment

      A New Roadmap for Mission Alignment

      Non-profits, foundations and endowments need to ensure that their sources of capital are in sync with their stated goals.

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      Ready to start a conversation? Contact Sandra Wang today.
      Market Information Delayed 20 Minutes
      Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

      1Morgan 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.

      2Morgan 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.

      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 or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

      5Morgan Stanley 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.

      6Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

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