Robert Rius
Managing Director, Wealth Management, Family Wealth Director, Investing with Impact Director
Phone:
(650) 340-6509(650) 340-6509
The Crystal Springs Group at Morgan Stanley
Direct:
(650) 340-6509(650) 340-6509
Toll-Free:
(800) 743-6550(800) 743-6550
Our Mission Statement
Comprehensive wealth management that attends to the details of your life with insight, analysis and premier service
Our Story
We are an accomplished team of wealth management advisors providing exceptional care to a select group of affluent clients and their families.
Similar to a family office, our team brings together a broad scope of complementary strengths and backgrounds. Since 2003 our team has served our clients through second and third generations wealth transfers, helping to ensure long term financial confidence for the entire family. By maintaining a small, select clientele, we constantly work for you to ensure an enduring continuity of our financial advisory relationship in addition to a robust set of wealth management services.As a group we provide you with personalized financial solutions and global resources that uniquely benefit your needs, financial goals and circumstances. Whether you require financial planning (e.g. retirement, divorce, education, legacy planning), Estate Planning, Executive Financial Services, and/or a Sustainable Investing strategy, we look at the full spectrum of factors potentially impacting your wealth. Then after personally reviewing the results with you, we identify effective solutions to implement, which represent the highest standard of quality, integrity and professionalism with respect to you, your needs and financial goals.
While our core practice model is centered in financial planning and Portfolio Management, we also incorporate, when appropriate, Sustainable Investing strategies as a segment of our clients’ investment strategy. Additionally, as a large segment of our financial planning services are dedicated to serving Corporate and Executive Clients, we commit ourselves to delivering an institutional level customer experience to all of our clients to ensure the highest standard of care is received. In this commitment we aim to deliver a sense of ease and security throughout each stage of your financial journey and wealth protection endeavors.
Similar to a family office, our team brings together a broad scope of complementary strengths and backgrounds. Since 2003 our team has served our clients through second and third generations wealth transfers, helping to ensure long term financial confidence for the entire family. By maintaining a small, select clientele, we constantly work for you to ensure an enduring continuity of our financial advisory relationship in addition to a robust set of wealth management services.As a group we provide you with personalized financial solutions and global resources that uniquely benefit your needs, financial goals and circumstances. Whether you require financial planning (e.g. retirement, divorce, education, legacy planning), Estate Planning, Executive Financial Services, and/or a Sustainable Investing strategy, we look at the full spectrum of factors potentially impacting your wealth. Then after personally reviewing the results with you, we identify effective solutions to implement, which represent the highest standard of quality, integrity and professionalism with respect to you, your needs and financial goals.
While our core practice model is centered in financial planning and Portfolio Management, we also incorporate, when appropriate, Sustainable Investing strategies as a segment of our clients’ investment strategy. Additionally, as a large segment of our financial planning services are dedicated to serving Corporate and Executive Clients, we commit ourselves to delivering an institutional level customer experience to all of our clients to ensure the highest standard of care is received. In this commitment we aim to deliver a sense of ease and security throughout each stage of your financial journey and wealth protection endeavors.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Estate Planning StrategiesFootnote4
- Executive Financial ServicesFootnote5
- Retirement PlanningFootnote6
- Planning for Education FundingFootnote7
- Sustainable InvestingFootnote8
- Philanthropic Services
- Divorce Financial AnalysisFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The clients we serve include:
- High net-worth individuals
- Multigenerational families
- Corporate executives
- Entrepreneurs and business owners
- Attorneys, CPAs, Business Managers, & Executors
- Professional Athletes & Team Executives
- Foundations and Endowments
Our clients tell us that the reasons for our long-standing relationships are due to the following factors:
- Multigenerational families
- Corporate executives
- Entrepreneurs and business owners
- Attorneys, CPAs, Business Managers, & Executors
- Professional Athletes & Team Executives
- Foundations and Endowments
Our clients tell us that the reasons for our long-standing relationships are due to the following factors:
Dynamics of Family Planning
We understand the dynamics of evolving family structures and the importance of focusing on legacy and estate planning. Whether you accumulate wealth through liquidity events such as; a home sale, sale of a business, inheritance, or privately held stock we diligently work to protect your wealth through our expertise and access to Morgan Stanley’s global resources.
Tax-Aware Investing
Given that the majority of our clients are taxable investors, we focus on delivering investment solutions for taxable investors, especially with respect to changes in [overall] tax rates.
Investment experience
Through a time tested approach of developing, implementing and tactically managing investments over multiple economic cycles, our group has grown to manage more than $650 million in assets and has over 68 years of collective experience.
Focus on Investor Topics
As innovators, entrepreneurs, and venture capital professionals; our clients benefit from a substantial network of team resources such as CPAs, Attorneys, Venture Capitalists, and like-mind entrepreneurs to help discover the right questions to their unique situation and financial planning needs.
Global Resources
Our team acts as a conduit to Morgan Stanley’s global footprint – leveraging intellectual capital and market insights through multiple platforms and global services.
Our Process
Through our process we deliver an in-depth expertise to help your family successfully manage wealth across multiple generations. As you move through the different stages of your life, your financial goals and investment strategies will change.
Following a holistic framework, which takes a 360 degree look at your current situation and considers how your wealth-management needs will change over the course of your life, we highlight the steps required to address your financial planning needs. We call these steps "Lifecycle Financial Planning".
Lifecycle Financial Planning is centered on understanding how certain life-defining events that clients experience through their investment and personal lives impact their financial goals and decisions. An example of such an event; is how tax and financial planning are frequently done in a vacuum without consideration of the changing risks that you can face during your lifetime. The problem here is how with the passage of time, the nature of the risks changes, which is commonly overlooked. Moreover, with these changes in risk, if you fail to reconsider how you are managing risk at different stages of life your financial plan could potentially be incorrectly prioritized.
Our 5-step lifecycle financial planning process is designed to address the changing financial needs that come with each new set of circumstances in your life:
Following a holistic framework, which takes a 360 degree look at your current situation and considers how your wealth-management needs will change over the course of your life, we highlight the steps required to address your financial planning needs. We call these steps "Lifecycle Financial Planning".
Lifecycle Financial Planning is centered on understanding how certain life-defining events that clients experience through their investment and personal lives impact their financial goals and decisions. An example of such an event; is how tax and financial planning are frequently done in a vacuum without consideration of the changing risks that you can face during your lifetime. The problem here is how with the passage of time, the nature of the risks changes, which is commonly overlooked. Moreover, with these changes in risk, if you fail to reconsider how you are managing risk at different stages of life your financial plan could potentially be incorrectly prioritized.
Our 5-step lifecycle financial planning process is designed to address the changing financial needs that come with each new set of circumstances in your life:
1. Develop a thorough understanding of your financial goals and objectives
2. Review & analyze your current positioning of the assets
3. Identify & tailor solutions to grow and protect your assets
4. Implement a tailored strategy, including personalized services & benefits
5. Connect with your financial advisor regularly to review active strategies & discuss changes in your personal and financial situation
Our Approach
As veteran wealth advisors, we have guided our clients through multiple economic cycles. Through these cycles we learned the value of long-term planning but also the importance of adapting clients’ plans and strategies to meet both mid- and short-term requirements of unforeseen life circumstances.
With a collective team approach our relationship with you begins with trust, understanding, steadfast guidance and unwavering commitment to your family’s goals. It’s our mission to help you quickly understand all complexities of investing in today’s unpredictable global environment and assist you in implementing a financial strategy, encompassing the right investment opportunities aligned with your needs and financial goals.
We believe that:
- Financial organization is a prerequisite to financial success
- The media can be an obstacle to your success
- A proper financial plan puts equal emphasis on the transfer of your assets and the accumulation of your assets
- Your financial plan should be as flexible and dynamic as your life, goals, and circumstances need it to be
- You have a right to an objective, trustworthy, and competent wealth advisor
With a collective team approach our relationship with you begins with trust, understanding, steadfast guidance and unwavering commitment to your family’s goals. It’s our mission to help you quickly understand all complexities of investing in today’s unpredictable global environment and assist you in implementing a financial strategy, encompassing the right investment opportunities aligned with your needs and financial goals.
We believe that:
- Financial organization is a prerequisite to financial success
- The media can be an obstacle to your success
- A proper financial plan puts equal emphasis on the transfer of your assets and the accumulation of your assets
- Your financial plan should be as flexible and dynamic as your life, goals, and circumstances need it to be
- You have a right to an objective, trustworthy, and competent wealth advisor
The "six big financial mistakes" can, and must, be avoided:
Panic
Euphoria
Over Diversification
Under Diversification
Excessive Leverage
Placing the tax cart before the investment horse
Euphoria
Over Diversification
Under Diversification
Excessive Leverage
Placing the tax cart before the investment horse
The Crystal Springs Group
Team awards and community service organizations team members are involved with.
Forbes Best-In-State Wealth Management Teams
2023, 2024 and 2025
2023, 2024 and 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2023, 2024 and 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
The diversity of our skills and experience combined with our prioritized access to the global reach and power of Morgan Stanley’s resources allows us to focus on your big picture strategy while also attending with concierge-level care to the smaller, more intricate details of you and your family’s day-to-day financial life.
Family Wealth Planning
With decades of experience behind us, we understand not only the challenges of growing wealth, but how to address the specific concerns of families who have accumulated or inherited significant wealth. Our mission is to help you simplify and manage your increasingly complex personal and financial lives, so you and your family members can live the lifestyles you want.
Implementing Your Plan
On the technical side, we can help you achieve tax and financial planning objectives for multiple ties within your family, such as:
Identifying transactions that may benefit multiple generations in a family
Understanding how the net investment income tax impacts various tax & financial planning strategies
Highlighting how best to structure a business as well as transfer interests in a family-owned business
Identifying transactions that may benefit multiple generations in a family
Understanding how the net investment income tax impacts various tax & financial planning strategies
Highlighting how best to structure a business as well as transfer interests in a family-owned business
Reevaluating Your Plan
As your family grows and evolves, not only does your financial strategy become more complex, but your options for implementing it increase as well. Whether you’re planning for just your immediate family’s needs or several generations down the line, we offer legacy planning with sophisticated insight to help you with multigenerational and extended family circumstances. We can also ease family discussions that encompass generational views on investing and the use of wealth.
Managing Transitions
We are also uniquely suited to help families and businesses think through and execute succession plans. We can create a personal investment strategy that considers your business in the context of your life, as well as a succession plan for you and your family that helps everyone involved see the big picture.
Defining a Legacy Plan
While time alters the nature of the risks your family may experience and require you to reconsider how you are managing those risks, we personally assist you in selecting the Legacy Protection Solutions that are most appropriate for you and your family. Through our Lifecycle Financial Planning process we work with you to tailor solutions to address personal, tax, financial, investment and estate planning needs to thoughtfully preserve and/or transfer your assets.
The Basics of Estate Planning
Estate & Gift Taxes
Location
216 Lorton Avenue
Suite 200
Burlingame, CA 94010
US
Direct:
(650) 340-6509(650) 340-6509
Toll-Free:
(800) 743-6550(800) 743-6550
Meet The Crystal Springs Group
Kevin Wolfe
Senior Vice President, Wealth Advisor, Senior Portfolio Management Director
Phone:
(650) 340-6503(650) 340-6503
Brian Morgan
First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(650) 340-6518(650) 340-6518
Mary Jo Kloezeman
First Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Portfolio Management Director
Phone:
(650) 340-6577(650) 340-6577
Tim Gedeon
First Vice President, Business Development Director
Irma Herrera
Client Service Associate
Dominic Cavalieri
Registered Client Sevice Associate
About Robert Rius
“It is incredibly rewarding to take a person’s financial situation and optimize it for them in an ideal manner.”
Robert leads the team’s family wealth planning practice. His extensive knowledge and experience in retirement, estate, education, philanthropic, income planning strategies and analysis allows him to quarterback the creation of wealth plans for affluent families. Robert also works on the team’s asset allocation committee, creating models and tactical investment selections. Together with his teammates, he is responsible for the ongoing due diligence related to a wide range of investment vehicles incorporated within client portfolios. He was recently promoted to Managing Director and is currently a member of Morgan Stanley’s elite President’s Club. While being recognized on Forbes Best In State Wealth Advisors (2023-2024) is a wonderful honor, Rob is more proud of his team being recognized as a Forbes Best In State Wealth Management Teams for the second year in a row (2023-2024). *
Robert graduated Magna Cum Laude with a Bachelor of Science degree in Business Management from Menlo College (Atherton, CA). He played on the Men’s Basketball team and was captain of the first ever Cal Pac Conference Championship team for Menlo during the 1999-2000 season. He is the founding board member of I.O.B.A.M. Athletics and is a former member of the Board of Regents and the Enrollment Committee of Junipero Serra High School in San Mateo. He has served on the coaching staff of Serra’s basketball team for 16 years, both as head coach for the boy’s junior varsity team and as assistant coach on the boys’ varsity staff. He also coaches basketball at Our Lady of Angels as the head coach of the 6th grade boys and 4th grade girls’ teams.
Robert and his wife, Estrellina, live in Burlingame, California with their two children, Vincey and Serina. In his spare time, Robert enjoys playing golf and is a member of the California Golf Club in South San Francisco. He enjoys spending half the year on the family’s ranch in Kailua Kona’s coffee region.
2023 and 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2023 and 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2023 and 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Robert leads the team’s family wealth planning practice. His extensive knowledge and experience in retirement, estate, education, philanthropic, income planning strategies and analysis allows him to quarterback the creation of wealth plans for affluent families. Robert also works on the team’s asset allocation committee, creating models and tactical investment selections. Together with his teammates, he is responsible for the ongoing due diligence related to a wide range of investment vehicles incorporated within client portfolios. He was recently promoted to Managing Director and is currently a member of Morgan Stanley’s elite President’s Club. While being recognized on Forbes Best In State Wealth Advisors (2023-2024) is a wonderful honor, Rob is more proud of his team being recognized as a Forbes Best In State Wealth Management Teams for the second year in a row (2023-2024). *
Robert graduated Magna Cum Laude with a Bachelor of Science degree in Business Management from Menlo College (Atherton, CA). He played on the Men’s Basketball team and was captain of the first ever Cal Pac Conference Championship team for Menlo during the 1999-2000 season. He is the founding board member of I.O.B.A.M. Athletics and is a former member of the Board of Regents and the Enrollment Committee of Junipero Serra High School in San Mateo. He has served on the coaching staff of Serra’s basketball team for 16 years, both as head coach for the boy’s junior varsity team and as assistant coach on the boys’ varsity staff. He also coaches basketball at Our Lady of Angels as the head coach of the 6th grade boys and 4th grade girls’ teams.
Robert and his wife, Estrellina, live in Burlingame, California with their two children, Vincey and Serina. In his spare time, Robert enjoys playing golf and is a member of the California Golf Club in South San Francisco. He enjoys spending half the year on the family’s ranch in Kailua Kona’s coffee region.
2023 and 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2023 and 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2023 and 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: OH, NE, MN, VA, CA, WY, NV, NH, AR, SD, OK, MI, SC, FL, NY, IN, IL, MO, WI, WA, LA, MD, HI, GA, TX, NM, NJ, ME, KY, ID, AL, OR, NC, DC, CO, PA, MT, MA, AZ, UT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278714
NMLS#: 1278714
About Kevin Wolfe
“Managing your risks is my priority, but helping you understand the big picture of your financial life is my passion.”
Since 2002, Kevin has been passionate about building and fostering client relationships and is charged with creating and implementing comprehensive wealth management strategies for clients. He focuses on transfer of wealth issues, legacy planning for multi-generational families and works extensively on addressing the many “lifetime” wealth management issues. These include, but are not limited to, investment and liability management, charitable inclinations and gifting strategies, and business and trustee succession planning. Kevin's experience in financial planning is vital to the team's ability to navigate clients on their financial journey.
Kevin graduated from Connecticut College where he earned a BA degree in psychology and was also selected as a First Team All-American and a two-time team captain (Men’s Soccer) during his career. After his undergraduate studies, he played professional soccer in England before returning to the US to pursue a Master’s degree in education from Boston University. While at BU, he coached soccer at the collegiate level for three years. In 2004, Kevin was elected into the Connecticut College Athletic Hall of Fame.
Kevin and his wife Elizabeth live in San Carlos, CA and have three children. He is very active in the San Carlos community as an AYSO Board Member and as a coach for the San Carlos CYSA youth soccer club. He enjoys family activities, travel and still plays competitive soccer. He is also an avid golfer and is a member of the California Golf Club in South San Francisco.
Kevin is proud of the Crystal Springs Group being recognized as a Forbes Best-In-State Wealth Management Team for the second year in a row (2023-2024). *
2023 and 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Since 2002, Kevin has been passionate about building and fostering client relationships and is charged with creating and implementing comprehensive wealth management strategies for clients. He focuses on transfer of wealth issues, legacy planning for multi-generational families and works extensively on addressing the many “lifetime” wealth management issues. These include, but are not limited to, investment and liability management, charitable inclinations and gifting strategies, and business and trustee succession planning. Kevin's experience in financial planning is vital to the team's ability to navigate clients on their financial journey.
Kevin graduated from Connecticut College where he earned a BA degree in psychology and was also selected as a First Team All-American and a two-time team captain (Men’s Soccer) during his career. After his undergraduate studies, he played professional soccer in England before returning to the US to pursue a Master’s degree in education from Boston University. While at BU, he coached soccer at the collegiate level for three years. In 2004, Kevin was elected into the Connecticut College Athletic Hall of Fame.
Kevin and his wife Elizabeth live in San Carlos, CA and have three children. He is very active in the San Carlos community as an AYSO Board Member and as a coach for the San Carlos CYSA youth soccer club. He enjoys family activities, travel and still plays competitive soccer. He is also an avid golfer and is a member of the California Golf Club in South San Francisco.
Kevin is proud of the Crystal Springs Group being recognized as a Forbes Best-In-State Wealth Management Team for the second year in a row (2023-2024). *
2023 and 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: PA, NJ, MO, CA, MI, KY, AZ, UT, OH, NY, MT, DC, WY, TX, SD, NM, NH, CO, VA, NE, ME, IN, OR, AL, OK, NC, MN, MA, LA, IL, ID, HI, SC, GA, AR, FL, WA, NV, MD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282388
NMLS#: 1282388
About Brian Morgan
Brian joined Morgan Stanley in 2013 as an analyst in the Firm’s Global Capital Markets group in New York City, specializing in fixed income and asset-backed securitization as well as corporate strategy and pension solutions. In 2015 he moved to the Bay Area to join the Menlo Park Complex as a business development manager where he worked closely with a number of advisory teams focusing on 10b5-1 stock plans, concentrated equity strategies, holistic asset management for high net worth families and organizations, and organic business growth. He went on to become the Regional Sales Director for the Pacific Coast region for Morgan Stanley’s Portfolio Solutions Group which focused on creating tailored equity and fixed income strategies and scalable investment solutions for advisors throughout the region and interfaced directly with the portfolio management teams in Morgan Stanley’s Investment Management division.
Brian’s interest in financial services began during his time in the United States Marine Corps, where he volunteered to become a Command Financial Specialist in addition to his primary responsibilities as a combat aircrewman on the KC-130J. Like many young men and women, Brian enlisted directly after graduating from high school and he observed firsthand the importance of increasing financial literacy within the junior enlisted ranks, especially during and after his deployment to Iraq in 2007. This grew into a focus on helping Marines and their families across all ranks with their transition back into the civilian sector through financial planning and continued until he was honorably discharged in 2008. The desire to have a more focused and personal impact by working directly with individual clients and families culminated with his addition to the Crystal Springs Group as a financial advisor in 2020.
Brian graduated from Columbia University with a B.A. in Political Science in 2013 and was named to the Forbes Top Next-Gen Wealth Advisors Best-in-State list for 2023* as well as the Forbes Best-in-State Wealth Management Team list for 2023 and 2024**. He continues to volunteer his time working with veteran mentorship and development organizations and is an active member of the Columbia Military Veteran alumni community. In his spare time he enjoys riding his motorcycle, hiking with his dog, and improving his patience through woodworking projects in his shop in the Oakland Hills.
* 2023 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22 - 3/31/23.
** 2023 and 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Brian’s interest in financial services began during his time in the United States Marine Corps, where he volunteered to become a Command Financial Specialist in addition to his primary responsibilities as a combat aircrewman on the KC-130J. Like many young men and women, Brian enlisted directly after graduating from high school and he observed firsthand the importance of increasing financial literacy within the junior enlisted ranks, especially during and after his deployment to Iraq in 2007. This grew into a focus on helping Marines and their families across all ranks with their transition back into the civilian sector through financial planning and continued until he was honorably discharged in 2008. The desire to have a more focused and personal impact by working directly with individual clients and families culminated with his addition to the Crystal Springs Group as a financial advisor in 2020.
Brian graduated from Columbia University with a B.A. in Political Science in 2013 and was named to the Forbes Top Next-Gen Wealth Advisors Best-in-State list for 2023* as well as the Forbes Best-in-State Wealth Management Team list for 2023 and 2024**. He continues to volunteer his time working with veteran mentorship and development organizations and is an active member of the Columbia Military Veteran alumni community. In his spare time he enjoys riding his motorcycle, hiking with his dog, and improving his patience through woodworking projects in his shop in the Oakland Hills.
* 2023 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22 - 3/31/23.
** 2023 and 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: FL, CT, CO, CA, NM, DC, WY, UT, PR, NJ, NH, MD, VT, OK, NC, IL, ID, HI, GA, AL, AK, VA, PA, NV, ND, MO, MA, OH, MN, IA, AZ, RI, OR, NE, KY, WA, NY, MS, ME, AR, WV, WI, TX, SC, MI, DE, VI, MT, LA, KS, IN, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 1990786
NMLS#: 1990786
About Mary Jo Kloezeman
Mary Jo has a wealth of experience spanning more than three decades with Morgan Stanley (formerly Dean Witter) as both a financial advisor and in management. Her investment approach includes a thoughtful planning process that concentrates on investment consulting, financial planning and relationship management. She is dedicated to helping her clients achieve their financial goals enabling them to pursue their passions. Mary Jo contends that it’s the relationships that she has built over the years that are amongst the most rewarding aspects of her practice.
Mary Jo is a native Californian who graduated from Skidmore College in 1984 with a Bachelor of Arts degree in Business and French. During her tenure at Skidmore she studied abroad in Paris for one year. Joining the firm in 1985, her first job out of college, Mary Jo has managed her practice over numerous varied market cycles throughout the past three decades.
Mary Jo is an avid fitness enthusiast who enjoys long hikes in the mountains with friends and her Double Doodle, plays competitive tennis and is returning to practicing the piano after many years. She enjoys travelling domestically and abroad with family and friends, cooking and exploring all that the Bay Area has to offer. In addition to her family and work-life, she has been a director on multiple school boards and chaired five school auctions. With her daughters she volunteers at a local, no-kill cat shelter, Nine Lives.
Mary Jo is a native Californian who graduated from Skidmore College in 1984 with a Bachelor of Arts degree in Business and French. During her tenure at Skidmore she studied abroad in Paris for one year. Joining the firm in 1985, her first job out of college, Mary Jo has managed her practice over numerous varied market cycles throughout the past three decades.
Mary Jo is an avid fitness enthusiast who enjoys long hikes in the mountains with friends and her Double Doodle, plays competitive tennis and is returning to practicing the piano after many years. She enjoys travelling domestically and abroad with family and friends, cooking and exploring all that the Bay Area has to offer. In addition to her family and work-life, she has been a director on multiple school boards and chaired five school auctions. With her daughters she volunteers at a local, no-kill cat shelter, Nine Lives.
Securities Agent: MI, MA, HI, CO, OR, KY, UT, AR, NM, MO, IL, FL, WY, WA, SD, TX, NE, MN, NJ, GA, CA, OK, NY, ID, VA, OH, MD, IN, AZ, AL, SC, PA, NV, NC, MT, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 1768942
CA Insurance License #: OA41578
NMLS#: 1768942
CA Insurance License #: OA41578
About Tim Gedeon
I enjoy the fast pace of this industry and the opportunity to help people achieve their goals.
Tim Gedeon's role in the Crystal Springs Group is to manage the operational aspects of the practice. He works with other team members on overall business development, client review preparation, ongoing account maintenance, portfolio loan processing, marketing strategies and implementing investment ideas.
Tim is also one of the first points of contact for the group's clients. He assists with client onboarding, securities-based lending and mortgages, insurance policy management, event coordination and a myriad of other jobs. His broad scope allows him to quickly and efficiently assist clients with their needs or direct them to the right person. He is broadening his knowledge by continuing his education and plans to attain more licenses to help expand the practice and improve the overall client experience.
Tim has been with Morgan Stanley since 2004. He grew up in Fremont, CA in a financial services family, to which he attributes his lifelong interest in and understanding of investments and financial services. Tim currently lives in the San Jose, CA area and enjoys a focus on health and fitness.
Tim Gedeon's role in the Crystal Springs Group is to manage the operational aspects of the practice. He works with other team members on overall business development, client review preparation, ongoing account maintenance, portfolio loan processing, marketing strategies and implementing investment ideas.
Tim is also one of the first points of contact for the group's clients. He assists with client onboarding, securities-based lending and mortgages, insurance policy management, event coordination and a myriad of other jobs. His broad scope allows him to quickly and efficiently assist clients with their needs or direct them to the right person. He is broadening his knowledge by continuing his education and plans to attain more licenses to help expand the practice and improve the overall client experience.
Tim has been with Morgan Stanley since 2004. He grew up in Fremont, CA in a financial services family, to which he attributes his lifelong interest in and understanding of investments and financial services. Tim currently lives in the San Jose, CA area and enjoys a focus on health and fitness.
About Irma Herrera
I enjoy delivering first-class client customer service to you with each interaction.
As a Client Service Associate, Irma helps monitor the Crystal Springs Group service model, execute daily operations and support the advisors with internal and external operational processes. With more than 20 years of Morgan Stanley experience, Irma's vast knowledge of the financial investment industry and its various systems allows her to better assist our clients and team members.
As a Client Service Associate, Irma helps monitor the Crystal Springs Group service model, execute daily operations and support the advisors with internal and external operational processes. With more than 20 years of Morgan Stanley experience, Irma's vast knowledge of the financial investment industry and its various systems allows her to better assist our clients and team members.
About Dominic Cavalieri
As a Registered Client Service Associate, Dominic monitors and facilitates execution of the Crystal Springs Group service model, implements investment solutions on behalf of the advisors, and fields incoming client requests and inquiries. Dominic's experience as a registered representative in wealth management as well as his experience in the financial technologies space distinguishes him as a dynamic team member that can effectively address the needs of the client.
Dominic has been with Morgan Stanley since 2022, and prior to Morgan Stanley, served as an Operations Specialist for Parkside Securities. Born and raised in San Francisco, he currently lives in Burlingame, CA, and spends his off-time golfing, exercising, and spending time with his dog.
Dominic has been with Morgan Stanley since 2022, and prior to Morgan Stanley, served as an Operations Specialist for Parkside Securities. Born and raised in San Francisco, he currently lives in Burlingame, CA, and spends his off-time golfing, exercising, and spending time with his dog.
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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
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- Impact Investing
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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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.
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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Ready to start a conversation? Contact The Crystal Springs Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8The 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.
9Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8The 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.
9Morgan 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.
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)
