Craig Franklin, CIMA®, CPWA®
Managing Director, Wealth Management, Wealth Advisor, Family Wealth Director, Alternative Investments Director, Lending Specialist
Phone:
(707) 524-1001(707) 524-1001
Sonoma Wealth Management Group at Morgan Stanley
Our Mission Statement
We help clients and families of substantial wealth simplify and manage their complex personal and financial lives.
Our Story
The Sonoma Wealth Management Group at Morgan Stanley is an experienced tightly knit group of highly credentialed financial professionals. We combine our talents to help clients of substantial wealth simplify and manage their complex personal and financial lives. We can help you navigate the complexities that come with financial success, so you and your family are free to focus on the people, issues and activities that enrich your lives.
We work with a wide range of exceptional clientele of innovators, entrepreneurs, business leaders and their families. Many of our clients have had a significant liquidity event and need help managing the financial and interpersonal complexity it creates. We provide the experience, expertise and resources to help them protect what they have earned, pursue their most important goals, and simplify every aspect of their financial lives.
Working closely with you and your tax and legal advisors, Sonoma Wealth Management Group helps you address the unique challenges of significant wealth.
We work with a wide range of exceptional clientele of innovators, entrepreneurs, business leaders and their families. Many of our clients have had a significant liquidity event and need help managing the financial and interpersonal complexity it creates. We provide the experience, expertise and resources to help them protect what they have earned, pursue their most important goals, and simplify every aspect of their financial lives.
Working closely with you and your tax and legal advisors, Sonoma Wealth Management Group helps you address the unique challenges of significant wealth.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
The goal of our process is to help you create a comprehensive wealth management plan to reach your most important personal, professional and philanthropic goals. We begin by learning about your history, your family, your interests, concerns and aspirations. We then reach out to your CPA and estate attorney to familiarize ourselves with your existing estate planning and coordinate our strategies. This discovery process enables us to develop an appropriate plan designed to help grow, preserve and transfer your wealth. Once implemented, we closely monitor your strategy to make sure it stays current with your goals in an ever-changing financial and personal world.
Financial Planning and Investment Management
a. Customized Financial Plan
b. Tax Efficient Portfolio Construction
c. Proprietary Risk Management Analysis
d. Open Architecture Investment Platform
e. Access to World Class Public and Private Investments
f. Investment Due Diligence and Selection
g. Investing with Impact - Sustainable Investing
h. Monitoring and Reporting
b. Tax Efficient Portfolio Construction
c. Proprietary Risk Management Analysis
d. Open Architecture Investment Platform
e. Access to World Class Public and Private Investments
f. Investment Due Diligence and Selection
g. Investing with Impact - Sustainable Investing
h. Monitoring and Reporting
Executive Wealth Management
a. Executive Compensation and Benefits Analysis
b. Stock Option Analysis
c. Rule 144 Stock Analysis and Planning
d. Diversification Strategies for Concentrated Stock Positions
e. Section 10(b)5-1 plan
f. Section 1042 Tax-deferred sale to an ESOP
g. Qualified Small Business Stock (QSBS) Planning
h. Restricted Stock and Section 83(b) and 83(i) Election
b. Stock Option Analysis
c. Rule 144 Stock Analysis and Planning
d. Diversification Strategies for Concentrated Stock Positions
e. Section 10(b)5-1 plan
f. Section 1042 Tax-deferred sale to an ESOP
g. Qualified Small Business Stock (QSBS) Planning
h. Restricted Stock and Section 83(b) and 83(i) Election
Wealth Management
a. Cash Management
b. Asset and Liability Management
c. Tax Management
d. Insurance Efficiency Analysis
e. Education Planning for Children
f. Retirement and Cash Flow Planning
g. Asset and Creditor Protection
h. Business Succession and Exit Planning
i. Pre-Liquidity Event Planning
j. Collaborate with your other professionals
b. Asset and Liability Management
c. Tax Management
d. Insurance Efficiency Analysis
e. Education Planning for Children
f. Retirement and Cash Flow Planning
g. Asset and Creditor Protection
h. Business Succession and Exit Planning
i. Pre-Liquidity Event Planning
j. Collaborate with your other professionals
Estate and Philanthropy Management
a. Family Governance and Wealth Education
b. Estate Planning
c. Access to Wealth Planning Center for Advanced Estate Planning Needs
d. Private Banking
e. Insurance Solutions
f. Trust Services
g. Philanthropy Management
h. Lifestyle advisory
b. Estate Planning
c. Access to Wealth Planning Center for Advanced Estate Planning Needs
d. Private Banking
e. Insurance Solutions
f. Trust Services
g. Philanthropy Management
h. Lifestyle advisory
Morgan Stanley Resources
At Morgan Stanley, we provide clients with easily digestible financial analysis from our market research experts. The links below provide further insight on the markets and economic landscape as well as our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life.
GIC On the Markets
The Global Investment Committee's Lisa Shalett headlines this monthly look at markets, asset class performance and fixed income.
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Tax Management
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan. Read more from Morgan Stanley's Tax Management site below.
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Wealth and Estate Planning Series
Explore a series of educational videos covering topics such as Foundational Estate Planning Documents, Estate & Gift Taxes, Grantor Retained Annuity Trusts (GRATs), Irrevocable Life Insurance Trusts and more.
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Sonoma Wealth Management Group at Morgan Stanley combines their diverse skillsets to help clients of substantial wealth simplify and manage their complex personal and financial lives so they and their families can live the lifestyles they choose.
Family Office Resources helps clients and Financial Advisors curate and navigate an expansive suite of highly specialized resources to address the complex multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently. Here are some resources to help you navigate:
Family Office Resources helps clients and Financial Advisors curate and navigate an expansive suite of highly specialized resources to address the complex multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently. Here are some resources to help you navigate:
Family Office Resources Video
Click Here to WatchNational Recognition:
Forbes America's Top Wealth Management Teams High Net Worth 2022
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
DisclosuresSource: Forbes.com (Awarded Nov 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Forbes Best-in-State Wealth Advisors
Craig Franklin, CFP®,CIMA®: 2018, 2019, 2020, 2021, 2022, 2023, 2024
2018, 2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Disclosures2018, 2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams 2023, 2024, 2025
2023, 2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
DisclosuresSource: Forbes.com (2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Top Women Wealth Advisors Best-In- State 2025
Beth Wyatt, CFP®,CIMA®: 2025
"Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24. "
Disclosures"Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24. "
Location
3562 Round Barn Circle 1st
Fl
Santa Rosa, CA 95403
US
Direct:
(707) 524-1000(707) 524-1000
Fax:
(707) 524-1099(707) 524-1099
Meet Sonoma Wealth Management Group
Beth Wyatt, CFP®, CIMA®
Senior Vice President, Financial Advisor, Family Wealth Advisor, Workplace Advisor - Equity Compensation, Investment Management Consultant, Alternative Investments Director
Phone:
(707) 524-1008(707) 524-1008
Brenda Ell, CFP®, CPWA®, CEPA®
Vice President, Financial Advisor, Financial Planning Specialist, Family Wealth Advisor, Workplace Advisor - Equity Compensation
Phone:
(707) 571-5721(707) 571-5721
Eden G. Williams
Portfolio Associate
Phone:
(707) 524-0501(707) 524-0501
Daniel Johnson
Registered Client Service Associate
Phone:
(707) 524-1054(707) 524-1054
About Craig Franklin
Craig R Franklin, CIMA®, CPWA®, CAIA®
Executive Director
Family Wealth Director
Wealth Advisor
Craig Franklin has spent his 29-year career at Morgan Stanley guiding successful entrepreneurs, executives, and other high net worth individuals and families through complex wealth planning and asset allocation strategies. Craig is a Family Wealth Director and provides corporate executive planning, including tax minimization strategies for stock options, concentrated positions, and stock monetization. He helps clients design and monitor fixed income portfolios, handle large equity trades, and offers advice on nontraditional assets.
He has demonstrated knowledge and experience across an extensive range of wealth management disciplines. As such Craig earned the exclusive designation of Morgan Stanley Family Wealth Director, from which he gains access to a variety of family advisory services.
Craig graduated from Chico State University with an undergraduate degree in finance. He earned the Certified Investment Management Analyst® designation, taught in conjunction with The Wharton School at the University of Pennsylvania. Craig holds the Certified Private Wealth Advisor® (CPWA®) certification, taught in conjunction with The University of Chicago Booth School of Business. He has earned the Certified Wealth Strategist designation from the Cannon Financial Institute. He is a Chartered Alternative Investment Analyst, a designation from the CAIA Association that is dedicated to alternative investments, seeking greater alignment, transparency, and knowledge for all investors.
Craig has been recognized in Forbes Best-in-State Wealth Advisors in 2023, 2022, 2021, 2020, 2019, and 2018.
A sixth-generation Californian, Craig served on the board of a local educational foundation and has coached youth basketball in his hometown. He lives in Healdsburg with his wife Lesli, and their two children Cole and Andie.
2023, 2022, 2021, 2020, 2019, and 2018 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2023, 2022, 2021, 2020, 2019, and 2018). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Executive Director
Family Wealth Director
Wealth Advisor
Craig Franklin has spent his 29-year career at Morgan Stanley guiding successful entrepreneurs, executives, and other high net worth individuals and families through complex wealth planning and asset allocation strategies. Craig is a Family Wealth Director and provides corporate executive planning, including tax minimization strategies for stock options, concentrated positions, and stock monetization. He helps clients design and monitor fixed income portfolios, handle large equity trades, and offers advice on nontraditional assets.
He has demonstrated knowledge and experience across an extensive range of wealth management disciplines. As such Craig earned the exclusive designation of Morgan Stanley Family Wealth Director, from which he gains access to a variety of family advisory services.
Craig graduated from Chico State University with an undergraduate degree in finance. He earned the Certified Investment Management Analyst® designation, taught in conjunction with The Wharton School at the University of Pennsylvania. Craig holds the Certified Private Wealth Advisor® (CPWA®) certification, taught in conjunction with The University of Chicago Booth School of Business. He has earned the Certified Wealth Strategist designation from the Cannon Financial Institute. He is a Chartered Alternative Investment Analyst, a designation from the CAIA Association that is dedicated to alternative investments, seeking greater alignment, transparency, and knowledge for all investors.
Craig has been recognized in Forbes Best-in-State Wealth Advisors in 2023, 2022, 2021, 2020, 2019, and 2018.
A sixth-generation Californian, Craig served on the board of a local educational foundation and has coached youth basketball in his hometown. He lives in Healdsburg with his wife Lesli, and their two children Cole and Andie.
2023, 2022, 2021, 2020, 2019, and 2018 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2023, 2022, 2021, 2020, 2019, and 2018). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, HI, WY, WV, WI, WA, VT, VI, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262368
CA Insurance License #: 0B78645
NMLS#: 1262368
CA Insurance License #: 0B78645
About Beth Wyatt
Beth Wyatt, CFP®, CIMA®
Senior Vice President
Family Wealth Advisor
Financial Advisor
With over 30 years of experience at Morgan Stanley, Beth Wyatt is a CERTIFIED FINANCIAL PLANNER™ and has extensive experience handling the complex needs of successful families. She specializes in creating customized strategies for clients so they may live the lifestyle they choose and plan for a smooth transition from one generation to the next. Beth serves as a Workplace Advisor for Equity Compensation. She is positioned to service and educate on the full suite of workplace benefits and can help participants address questions related to grants / awards, vesting events, restricted stock units, and more.
Beth received the Certified Investment Management Analyst® designation from the Investment Management Consultants Association, taught in conjunction with Wharton Business School. She also received the Certified Financial Planner® certification.
Beth graduated from San Francisco State University with honors and received a Bachelor of Science in business administration, with an emphasis in small-business administration. After running her own catering business and writing business plans for small-business owners, she joined Morgan Stanley in 1987.
Beth has an active interest in the health of our food system and the land that supports it, serving as a board member for LandPaths.
A native of Marin County, Beth moved to Sonoma County over 30 years ago. She lives in Santa Rosa with her husband, Mark, with whom she has three daughters.
CRC 4227327 1/26/2022
Senior Vice President
Family Wealth Advisor
Financial Advisor
With over 30 years of experience at Morgan Stanley, Beth Wyatt is a CERTIFIED FINANCIAL PLANNER™ and has extensive experience handling the complex needs of successful families. She specializes in creating customized strategies for clients so they may live the lifestyle they choose and plan for a smooth transition from one generation to the next. Beth serves as a Workplace Advisor for Equity Compensation. She is positioned to service and educate on the full suite of workplace benefits and can help participants address questions related to grants / awards, vesting events, restricted stock units, and more.
Beth received the Certified Investment Management Analyst® designation from the Investment Management Consultants Association, taught in conjunction with Wharton Business School. She also received the Certified Financial Planner® certification.
Beth graduated from San Francisco State University with honors and received a Bachelor of Science in business administration, with an emphasis in small-business administration. After running her own catering business and writing business plans for small-business owners, she joined Morgan Stanley in 1987.
Beth has an active interest in the health of our food system and the land that supports it, serving as a board member for LandPaths.
A native of Marin County, Beth moved to Sonoma County over 30 years ago. She lives in Santa Rosa with her husband, Mark, with whom she has three daughters.
CRC 4227327 1/26/2022
Securities Agent: MI, AL, VA, KS, CO, WY, TN, SC, NY, FL, DE, TX, MD, LA, HI, NC, OR, WA, RI, OK, NJ, MT, GA, WI, PA, AZ, UT, NV, MN, CT, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1270169
CA Insurance License #: 0A54850
NMLS#: 1270169
CA Insurance License #: 0A54850
About Brenda Ell
Brenda Ell, CFP®, CPWA®, CEPA®
Vice President
Family Wealth Advisor
Financial Planning Specialist
Workplace Advisor – Equity Compensation
CERTIFIED FINANCIAL PLANNER™
Certified Private Wealth Advisor®
Certified Exit Planning Advisor®
California Insurance License #0I75245
NMLS ID #1290660
As a CERTIFIED FINANCIAL PLANNER™ (CFP®), Brenda Ell works closely with clients in the creation and implementation of comprehensive plans that are tailored to the clients’ specific needs, goals, and complexities. Her commitment to creating optimal tailored solutions, coupled with her in-depth knowledge of Morgan Stanley financial planning tools, is valuable to clients during all stages of wealth creation, distribution, and transfer. With her passion for analysis and problem solving, she keeps up to date on new technologies and resources that the firm provides and applies these skills when reviewing clients’ portfolios. Brenda is a Workplace Advisor for Equity Compensation and focuses on equity compensation and stock options analysis.
Brenda graduated with honors from Sonoma State University and received a Bachelor of Science in finance. Brenda holds the Certified Private Wealth Advisor® (CPWA®) certification, taught in conjunction with The University of Chicago Booth School of Business. She also holds the Certified Exit Planning Advisor® (CEPA®) designation earned through the Exit Planning Institute.
Driven by a deep passion for her community, Brenda is a founding member of Santa Rosa Women for Good, a local giving circle dedicated to supporting the local community. As part of the leadership team, she serves as the liaison to the nonprofits, volunteering her time to help with communication and the coordination of grants for deserving causes in the area.
Brenda participates in the mentor/mentee program at Sonoma State University where she mentors students majoring in finance. She also regularly returns to Sonoma State University and talks to seniors majoring in finance about gaining employment after graduation.
In Brenda's spare time you can find her gardening, cooking, and working on fitness goals.
Vice President
Family Wealth Advisor
Financial Planning Specialist
Workplace Advisor – Equity Compensation
CERTIFIED FINANCIAL PLANNER™
Certified Private Wealth Advisor®
Certified Exit Planning Advisor®
California Insurance License #0I75245
NMLS ID #1290660
As a CERTIFIED FINANCIAL PLANNER™ (CFP®), Brenda Ell works closely with clients in the creation and implementation of comprehensive plans that are tailored to the clients’ specific needs, goals, and complexities. Her commitment to creating optimal tailored solutions, coupled with her in-depth knowledge of Morgan Stanley financial planning tools, is valuable to clients during all stages of wealth creation, distribution, and transfer. With her passion for analysis and problem solving, she keeps up to date on new technologies and resources that the firm provides and applies these skills when reviewing clients’ portfolios. Brenda is a Workplace Advisor for Equity Compensation and focuses on equity compensation and stock options analysis.
Brenda graduated with honors from Sonoma State University and received a Bachelor of Science in finance. Brenda holds the Certified Private Wealth Advisor® (CPWA®) certification, taught in conjunction with The University of Chicago Booth School of Business. She also holds the Certified Exit Planning Advisor® (CEPA®) designation earned through the Exit Planning Institute.
Driven by a deep passion for her community, Brenda is a founding member of Santa Rosa Women for Good, a local giving circle dedicated to supporting the local community. As part of the leadership team, she serves as the liaison to the nonprofits, volunteering her time to help with communication and the coordination of grants for deserving causes in the area.
Brenda participates in the mentor/mentee program at Sonoma State University where she mentors students majoring in finance. She also regularly returns to Sonoma State University and talks to seniors majoring in finance about gaining employment after graduation.
In Brenda's spare time you can find her gardening, cooking, and working on fitness goals.
Securities Agent: NV, CT, WI, CA, TN, SC, OK, MT, UT, TX, MD, HI, DE, NC, MN, MI, LA, RI, OR, KS, WA, NJ, WY, CO, VA, GA, FL, AZ, AL, PA, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1290660
CA Insurance License #: 0I75245
NMLS#: 1290660
CA Insurance License #: 0I75245
About Eden G. Williams
Eden Williams
Portfolio Associate
Drawing on 21 years of diverse financial services industry experience as a trader and relationship manager, Eden Williams supports the team’s Wealth Advisors in their efforts to deliver an outstanding client service experience. Working directly with the team, Eden provides and coordinates a broad range of support services, working to cultivate and maintain a seamless experience for both existing and prospective clients of Sonoma Wealth Management Group. A mentor to her peers, Eden draws on outstanding leadership and communication skills and an extensive background in the investment industry.
Eden began her career in the investment industry at Fidelity Investments trading equities, mutual funds and fixed income investments, and was promoted to a series of increasingly senior relationship management positions.
Eden graduated from Johnson & Wales University in Charleston, South Carolina, with a bachelor’s degree in food service management.
She lives with her son and daughter in Petaluma. She is very active in her son’s favorite sport, wrestling and visiting art shows with her daughter. She enjoys traveling and being outdoors, gardening, camping, and spending time with her family.
Portfolio Associate
Drawing on 21 years of diverse financial services industry experience as a trader and relationship manager, Eden Williams supports the team’s Wealth Advisors in their efforts to deliver an outstanding client service experience. Working directly with the team, Eden provides and coordinates a broad range of support services, working to cultivate and maintain a seamless experience for both existing and prospective clients of Sonoma Wealth Management Group. A mentor to her peers, Eden draws on outstanding leadership and communication skills and an extensive background in the investment industry.
Eden began her career in the investment industry at Fidelity Investments trading equities, mutual funds and fixed income investments, and was promoted to a series of increasingly senior relationship management positions.
Eden graduated from Johnson & Wales University in Charleston, South Carolina, with a bachelor’s degree in food service management.
She lives with her son and daughter in Petaluma. She is very active in her son’s favorite sport, wrestling and visiting art shows with her daughter. She enjoys traveling and being outdoors, gardening, camping, and spending time with her family.
About Daniel Johnson
Daniel Johnson
Client Service Associate
Daniel Johnson began his professional career in 2014 after receiving his Bachelor's degree in Economics from Sonoma State University. Daniel has prior experience as Inside Sales, Outside Sales, and Sales Operations Management. His primary responsibilities included relationship development, account management, as well as overseeing the team’s operational, marketing and strategic planning.
Daniel Johnson is joining Morgan Stanley and the Sonoma Wealth Management Group as a Client Service Associate. In this role, he will be able to use his experience to bring an enhanced client experience while supporting the Sonoma Wealth Management Group. Primary responsibilities will include maintaining client relationships through active communication while processing and resolving client requests.
As a Sonoma County native, born and raised in Santa Rosa, Daniel feels fortunate to live in one of the most unique places in the world. He enjoys exploring the rugged coastlines of Bodega Bay, the blissful beauty of the redwoods, while savoring the exquisite food, craft beer, wine and even better company. He lives in Windsor with his wife Sara and two Nephews Justin and Josh. He also has, and two Australian Shepherds that keep his weekends busy with hikes throughout Sonoma County.
Client Service Associate
Daniel Johnson began his professional career in 2014 after receiving his Bachelor's degree in Economics from Sonoma State University. Daniel has prior experience as Inside Sales, Outside Sales, and Sales Operations Management. His primary responsibilities included relationship development, account management, as well as overseeing the team’s operational, marketing and strategic planning.
Daniel Johnson is joining Morgan Stanley and the Sonoma Wealth Management Group as a Client Service Associate. In this role, he will be able to use his experience to bring an enhanced client experience while supporting the Sonoma Wealth Management Group. Primary responsibilities will include maintaining client relationships through active communication while processing and resolving client requests.
As a Sonoma County native, born and raised in Santa Rosa, Daniel feels fortunate to live in one of the most unique places in the world. He enjoys exploring the rugged coastlines of Bodega Bay, the blissful beauty of the redwoods, while savoring the exquisite food, craft beer, wine and even better company. He lives in Windsor with his wife Sara and two Nephews Justin and Josh. He also has, and two Australian Shepherds that keep his weekends busy with hikes throughout Sonoma County.
Contact Craig Franklin
Contact Beth Wyatt
Contact Brenda Ell
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
Michelle Walsh
Private Banker
Cindy W. Lee
Private Banker
About Michelle Walsh
Michelle Walsh 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.
Michelle began her career in financial services in 1983 and joined Morgan Stanley in 2020 as a Private Banker. Prior to joining the firm, she was a Structured Credit Executive at Merrill Lynch/Bank of America where she also served as a Wealth Management Banker. She previously served as a Regional Consumer Market Manager with BB&T Bank.
Michelle is a graduate of Shepherd University where she received a Bachelor of Science in Business Administration. She lives in Danville, CA with her family. Outside of the office, Michelle enjoys traveling with family and friends and volunteering for local food banks.
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.
Michelle began her career in financial services in 1983 and joined Morgan Stanley in 2020 as a Private Banker. Prior to joining the firm, she was a Structured Credit Executive at Merrill Lynch/Bank of America where she also served as a Wealth Management Banker. She previously served as a Regional Consumer Market Manager with BB&T Bank.
Michelle is a graduate of Shepherd University where she received a Bachelor of Science in Business Administration. She lives in Danville, CA with her family. Outside of the office, Michelle enjoys traveling with family and friends and volunteering for local food banks.
NMLS#: 637456
About Cindy W. Lee
Cindy Lee is a Private Banker serving Morgan Stanley Wealth Management offices in the East Bay, California Market.
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
Wealth Management
Global Investment Office
Portfolio Insights
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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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
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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
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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Sonoma Wealth Management Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
4The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
5Alternative 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.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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. 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley 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
9Morgan 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.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
4The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
5Alternative 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.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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. 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley 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
9Morgan 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.
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)
