Our Services

WEALTH MANAGEMENT
A relationship with Morgan Stanley Wealth Management is one of the most distinctive in the financial world. Focused exclusively on your needs and those of your family, Morgan Stanley’s resources are committed to helping you achieve your goals. We will work to help address your most important concerns and aspirations, from coordinating investment strategy and managing risk in multiple portfolios to aligning your family governance structure and estate plan with your values and hopes for future generations. We will also connect you to the investment banking and capital markets specialists of Morgan Stanley to help execute our strategies.

RETIREMENT PLANNING
Rising health care costs, longer life expectancies, the uncertainty of Social Security, changes in corporate retirement plans—the realities of retirement today make planning for your future more important than ever. A Financial Advisor is critical in helping you take a comprehensive approach to your entire financial picture. Based on a clear understanding of your situation—your immediate needs as well as your long-term goals—we will work with you to develop a holistic retirement strategy, helping you understand and manage the key risks that can affect your plans. We will help you create a savings and investment plan that combines your near-term objectives with your longer-term retirement goals and can work with you over time to monitor and quantify your progress. We will review strategies that can help segment your portfolio holdings based on when you are likely to need the funds—so that you have the income you need to meet expenses early in retirement, while the balance of your portfolio remains invested for capital preservation and growth. We can offer you strategies and guidance to help successfully manage your income in retirement and preserve the wealth you’ve accumulated—for yourself and your heirs.
Services Include
  • 401(k) Rollovers
  • 529 Plans1
  • Asset Management2
  • Business Planning3
  • Cash Management4
  • Defined Contribution Plans5
  • Estate Planning Strategies6
  • Exchange Traded Funds7
  • Executive Financial Services8
  • Financial Planning9
  • Lending Products
  • Municipal Bonds10
  • Planning for Education Funding11
  • Retirement Planning12
  • Sustainable Investing13
  • Wealth Consulting
  • Wealth Management14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

What are your hopes and dreams?

Our approach to wealth planning focuses on what is most meaningful to you.

Whether meeting with you for the first time or reviewing your progress and life goals, this is our priority.

Leveraging our vast resources—including intellectual capital, experience and dedicated personal service—we can work with you to create a personalized wealth strategy. Our 4 step approach to Wealth Management is formal yet flexible. Over time, we can adapt it to changing circumstances, helping you to achieve—and to protect—your goals.

DISCOVER
Our relationship begins with a thorough understanding of you – your needs, your lifestyle and family, and your goals for the future.

CREATE
We work with you to develop a roadmap to help you achieve and protect the outcomes you envision.

ACT
Next, we can help you implement investment, retirement, trust services, lending, cash management and insurance solutions suited to your needs.

ADJUST
Achieving your goals requires vigilance and flexibility. We’ll help you monitor your progress and make adjustments as life evolves, markets and tax laws shift, and priorities change.

    4 Step Process

    ESTABLISH FINANCIAL OBJECTIVES
    Work with you to establish a realistic set of objectives based on:
    Your financial goals
    Time horizon
    Liquidity needs
    Tolerance to volatility and risk

    DEFINE INVESTMENT STRATEGY
    Develop an investment strategy designed to help produce optimal portfolio performance
    Seek to generate the highest return potential consistent with the strategy’s level of risk

    EVALUATE AND SELECT INVESTMENTS
    Leverage the global resources of Morgan Stanley to select investments to implement your personal strategy

    ONGOING REVIEW PROCESS
    Monitor your portfolio to track its performance relative to your stated objectives
    Modify the portfolio on a discretionary basis as your needs and circumstances change over time

      Location

      700 Main Street
      Suite 315
      Napa, CA 94559
      US
      Direct:
      (707) 254-4429(707) 254-4429
      Toll-Free:
      (800) 829-0194(800) 829-0194

      Meet The Dowse Cordeiro Goldstein Group

      Photo of Erika Uribe

      Erika Uribe

      Client Service Associate

      About Me

      Tom Dowse, Portfolio Management Director at Morgan Stanley Wealth Management has over 40 years of investment experience.  He served as an RIA for 36 years and has been with Morgan Stanley since 2014.  He is an attorney and CPA by background and is the co-founder of a department at Bank of America called Executive Financial Counseling.  He has a JD from UC Berkeley Law School and an MBA and a BS from UCLA.
      Securities Agent: CA, WA, UT, TN, OR, NY, NV, NJ, MO, MD, ID, GA, FL, CT, CO, AZ, AL; General Securities Representative; Investment Advisor Representative
      NMLS#: 1295711

      About Me

      Mark J. Cordeiro has provided customized investment advice for over 20 years and has been a Financial Advisor at Morgan Stanley since 2003. As a Vice President at Morgan Stanley, Mr. Cordeiro focuses his practice on our entertainment business clients, entrepreneurs, and our select high net worth families. With his 20 years of experience, Mark and his team understand the unique and sophisticated needs of high profile business managers, musicians and entertainers, taking a comprehensive approach to wealth management.

       Mark began his career in 1998 at Paine Webber as a financial advisor.  He earned the Investment Consultant designation from Investment Management Consultants Association in 2000.  Mark was awarded to the Fidelity Advisor counsel for recognition for providing an exceptional level of professional knowledge advice and personal service.   He was also recognized by Putnam Investments for his high professional standards.  Mark earned his MBA in International Management in 2005 from the Thunderbird School of Global Management and his B.S. in Business and Finance from Arizona State University. Mark holds the Series 7, 63 and 65 licenses as well health, variable and life insurance licenses.
      Securities Agent: CA, WA, UT, TN, OR, NY, NV, NJ, MO, MD, ID, GA, FL, CO, AZ; General Securities Representative; Investment Advisor Representative
      NMLS#: 1316500

      About Me

      Marisa B. Goldstein, Financial Advisor, has worked in the financial services industry since 1998 and joined Morgan Stanley in 2013.  Marisa holds the title of Portfolio Manager and Financial Planning Specialist and uses her 20 years of industry experience to provide our exclusive clientele with comprehensive wealth planning strategies.  Since 2014, Morgan Stanley has named Marisa to the firm’s Pacesetter’s Club, a global recognition program for Financial Advisors who, within their first five years at the firm, demonstrate the highest professional standards. 

      Marisa started her career at Salomon Smith Barney in Washington D.C. in 1998 as a Technical Analyst evaluating the performance and suitability of investment portfolios.  In 2000, she transitioned to consulting and moved to Los Angeles to work for NWQ Investment Management Company where she served as liaison between the company and it’s investors.  In 2003, she was named Vice President, Advisor Consultant at Nuveen Investments where she consulted Bay Area financial advisors on the investments in their clients’ portfolios.
      Securities Agent: CA, WA, UT, TN, OR, NY, NV, NJ, MO, MD, ID, GA, FL, CO, AZ; General Securities Representative; Investment Advisor Representative
      NMLS#: 1285266
      CA Insurance License #: 0I67567
      Investment and Market Perspectives

      On the Markets

      Retirement

      Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
      • 401(k) Rollovers
      • IRA Plans
      • Retirement Income Strategies
      • Retirement Plan Participants
      • Annuities
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      The Simple Six-Step Retirement Checkup

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      Investing

      Working closely with you to guide your wealth and investments through the most challenging market cycles.
      • Asset Management
      • Wealth Planning
      • Traditional Investments
      • Alternative Investments
      • Impact Investing
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      Family

      Creating customized financial strategies for the challenges that today's families face.
      • Estate Planning Strategies
      • 529 Plans / Education Savings Planning
      • Long Term Care Insurance
      • Special Needs Planning
      • Trust Services
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      Business Planning

      Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
      • Succession Planning
      • Business Planning
      • Retirement Plan Sponsors
      • Qualified Retirement Plans
      • Corporate Pension Funds
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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
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      Ready to start a conversation? Contact The Dowse Cordeiro Goldstein Group today.
      Market Information Delayed 20 Minutes
      1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

      2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

      3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

      4Morgan Stanley Smith Barney LLC 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

      5Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

      6Morgan 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.

      7An investment in an exchange-traded fund involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor's ETF shares, if or when sold, may be worth more or less than the original cost.

      8Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

      9Morgan 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.

      10Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.

      11Morgan 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.

      12Morgan 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.

      13The 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.

      14Morgan 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.

      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 suitable 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”) 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.


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