Welcome Message

We believe success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are suited for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that meets your lifestyle and legacy goals.
Services Include
  • Corporate Retirement Plans1
  • Wealth Management2
  • Alternative Investments3
  • Financial Planning4
  • Retirement Planning5
  • Business Succession Planning6
  • Estate Planning Strategies7
  • 529 Plans8
  • Planning for Education Funding9
  • Endowments and Foundations10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Financial Planning

Location

1014 Santa Barbara St
Santa Barbara, CA 93101
US
Direct:
(805) 564-7904(805) 564-7904
Toll-Free:
(800) 874-0282(800) 874-0282

Meet The Forster Group

About Me

Dennis Forster, an advisor of the firm since 1979, has a long and successful tenure with Morgan Stanley and its predecessors, assuming roles from Branch Manager to Financial Advisor. Dennis is an accredited member of the prestigious CERTIFIED FINANCIAL PLANNER™ Institution. Dennis is the leader of The Forster Group at Morgan Stanley, and his unofficial title is “chief advocate" for his clients. He focuses on investments and estate planning strategies for high net worth families, strategic consulting to businesses, the management of endowments, and education funding.
 
As a Financial Advisor, Dennis is committed to looking at the complete picture of wealth management, which includes investment selection, asset allocation, intergenerational wealth transference, income & cash flow planning and retirement planning. His mission is to help our clients achieve their financial goals and he is determined to stay abreast of current strategies and laws to help guide our clients to successful outcomes. 

As an active member of the community, Dennis has served as a past president of the Jaycees, Santa Barbara Newcomers, and the Marian Medical Foundation. He has also served on the committees of the United Way of Santa Barbara, The Santa Barbara Bowl, YMCA and the Santa Barbara Council on Self-Esteem. Dennis currently is a member of the Rotary Club of Goleta, and is the past President of the Santa Barbara Ski and Sports Club, where he’s earned the nickname “The Bullet.” Dennis has been married to his wife, Patty, for over 50 years, and is blessed with six grandchildren.
Securities Agent: CA, WY, WA, TX, PA, OR, OH, NV, MT, MN, MI, ME, HI, GA, FL, AZ, AK; Managed Futures; Transactional Futures/Commodities; General Securities Representative; Investment Advisor Representative
NMLS#: 1273060

About Me

For over 20 years, Jeff Forster  has been advising Corporate Retirement Plan Sponsors with the construction of retirement plans, including fund selection and monitoring, fiduciary liability, investment policy and employee education. In 2012, he earned the Corporate Retirement Director Designation, an exclusive distinction earned by approximately 2% of Morgan Stanley Advisors. Jeff also focuses on helping small and middle-market business owners manage their business and personal wealth management plans-from cash management to exit strategy. Additionally, Jeff advises on retirement and financial planning for high net worth families, the management of endowments, and business lending.

Mr. Forster has been with Morgan Stanley and its predecessors, since 1998. Prior to this, Jeff was a VP for Gallup in Tokyo, Japan. He is a graduate of California State University, San Diego with a degree in International Business. Jeff is not only dedicated to steering his clients to a successful financial future, he is also very involved in the Santa Barbara community. He is a 2007 graduate of the Katherine Harvey Fellows program, a program sponsored by the Santa Barbara Foundation, which cultivates community leaders. Jeff has also served on the finance committee of the Santa Barbara Foundation.

Jeff is an active community supporter.  He was a member of The 1st Tee Central Coast for 17 years serving in many capacities, most notably as President of the Board for three years. The mission of the 1st Tee is to positively impact the lives of children by providing learning facilities and educational programs that build character, install life-enhancing values and promote healthy choices through the game of golf.  Additionally, Jeff is a founding member of the CPA/Law Society of Santa Barbara County. Jeff's biggest passions in life, however, are his wife, Laura and three children, Julia, Samantha, and Jeffrey.
Securities Agent: CA, WA, TX, SD, OR, OH, NV, NC, MT, MN, MI, ME, HI, GA, FL, AZ, AR, AK; Managed Futures; General Securities Representative; Investment Advisor Representative
NMLS#: 1273017

About Me

Eva Enrigue joined Morgan Stanley in 2014 as a Private Banker Associate, servicing the Santa Barbara, Oxnard, and San Luis Obispo offices.  As a Banking Associate, she worked with Financial Advisors helping their clients establish lending strategies to accommodate their financial needs.  In 2015, she joined The Forster Group as a Financial Advisor. With her background in banking, she looks at both sides of our client’s balance sheet to help optimize lending strategies, tax efficiency, social security optimization, portfolio diversification, and liability management. Additionally, Eva provides ongoing advice to retirement plan sponsors to help them meet their fiduciary responsibilities when it comes to running a best in class 401(k)/403(b) Plan. Eva is very involved with the implementation of Employee Financial Wellness Programs and educating employees on the benefits provided by their company retirement plans.

Eva has been in the financial services industry for 10 years.  Most recently, she worked at Wells Fargo Advisors offering investment services and Wells Fargo Bank, providing clients access to consumer and business lending.  Prior to that, Eva was involved in developing software applications for the Hedge Fund industry. She attended Columbia University, and earned a Political Science degree in 2004. Eva is a member of the Women’s Economic Ventures (WEV), and is currently a member of the Loan Committee.  Eva is bilingual in English and Spanish.

Apart from growing the practice, Eva enjoys traveling and donating her time to local nonprofit organizations.  On the weekends, she enjoys spending time in her native home town of Santa Barbara, walking on the beaches and hiking our coastal foothills.
Securities Agent: CA, WA, TX, PA, OR, OH, NV, MT, MN, MI, ME, IL, HI, GA, FL, CO, AZ, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 414173

About Me

Julie Williams joined The Forster Group in 2003. She is currently responsible for providing financial planning for our clients as well as organizing our financial and educational workshops for business owners and nonprofit organizations. Julie also supports our team with new product and service initiatives, performance reviews and client communications.
 
Julie began her financial services career over 25 years ago in San Francisco, at CS First Boston as an Associate Sales Supervisor responsible for sales supervision, processing and approving new accounts and monthly account reviews. In 1995, she joined Volpe, Brown Whelan & Company, a boutique Investment Bank, specializing in technology and healthcare companies. While there she was responsible for OTC trading compliance, sales supervision, continuing education and annual audits. She is a graduate of University of California, Santa Barbara, with a degree in Communications. 
 
While away from the office, Julie enjoys time with her husband John, children Mary and Warren, and her extended family and friends. On weekends, if she isn’t traveling to watch her kids play soccer, she can be found walking Buster, their yellow lab, at the beach or enjoying the local scene in Santa Barbara.

About Me

Bettina (Tina) Behal joined the Forster Group in April of 2015.  Acting as the Client Services Associate for the Forster Group at Morgan Stanley, she enjoys interacting with and assisting our esteemed clientele with account operations and administration. Her tenure in the Financial Services industry is a great benefit to our team and a tremendous resource to our clients. Tina started her career over 25 years ago with Prudential Securities where she obtained her securities licenses and went on to work for companies such as Bank of America, BA Investment Services, Santa Barbara Bank & Trust, New York Life Insurance Company and Charles Schwab & Company, holding the positions of Associate Financial Advisor, Registered Representative and Financial Consultant.

Tina and her husband are happy and active “empty-nesters,” living on the beach in Ventura.  Many days you will find her walking along the shore after work or entertaining one or more of her six grandchildren building sand castles.  With four children between them, Bettina and Doug never seem to have a dull moment on the California Coast.
From Our Team

The Forster Group Update December 2018


Investment and Market Perspectives

On the Markets

Retirement

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

The Simple Six-Step Retirement Checkup

Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

Family

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

Financial Transition: A Guide for Women

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

Business Planning

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

6 Keys to Building a Startup

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

Investing

Working closely with you to guide your wealth and investments through the most challenging market cycles.
  • Asset Management
  • Wealth Planning
  • Traditional Investments
  • Alternative Investments
  • Impact Investing
Five Smart Strategies to Use a Bonus or Raise

Five Smart Strategies to Use a Bonus or Raise

Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

More from Morgan Stanley

Consolidate Your Cash at a Competitive Rate

Consolidate Your Cash at a Competitive Rate

2.30% APY with Preferred Savings for New Money deposited through your eligible Morgan Stanley brokerage account. Contact me to learn more or click here. Terms apply.
Learn more about Consolidate Your Cash at a Competitive Rate
Morgan Stanley and Justin Rose: A Winning Team

Morgan Stanley and Justin Rose: A Winning Team

Morgan Stanley and our brand ambassador, PGA TOUR champion Justin Rose, share a set of core values and a common cause: giving books to children in need.
Learn more about Morgan Stanley and Justin Rose: A Winning Team
Your Financial World. On the Go.

Your Financial World. On the Go.

With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
Learn more about Your Financial World. On the Go.
Reserved | Living & Giving

Reserved | Living & Giving

Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
Learn more about Reserved | Living & Giving
Sign Up for eDelivery

Sign Up for eDelivery

With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
Learn more about Sign Up for eDelivery
Access Morgan Stanley Online

Access Morgan Stanley Online

Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
Learn more about Access Morgan Stanley Online
Ready to start a conversation? Contact The Forster Group today.
Market Information Delayed 20 Minutes
Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

1Tax 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.

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.

3Alternative 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 suitable only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

4Morgan 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.

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.

6Morgan 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.

7Morgan 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.

8Investors 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.

9Morgan 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.

10Morgan 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.

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.


CRC 2019752 10/2018