The Gale Group Story

Serving a select circle of affluent individuals and families, the Gale Group at Morgan Stanley in Walnut Creek, California, focuses on developing and implementing innovative and prudent long-term financial plans that help clients reach their goals.  Striving to be more than a trusted advisor to their clients, the Gale Group invests the time to truly understand their clients, listening to what matters most to them and what they want to accomplish during their lifetime.

The group positions their clients to achieve their goals by using a combination of actively and passively managed portfolios to build and maintain wealth, as well as prepare for multigenerational wealth transfer.  The team is skilled at designing sustainable/responsible customized investment solutions for clients that desire to integrate environmental, social and governance concerns into their portfolios.  By working with the Gale Group at Morgan Stanley, clients have access to some of the most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
  • UGMA/UTMA1
  • Endowments and Foundations2
  • 401(k) Rollovers
  • 529 Plans3
  • Financial Planning4
  • Long Term Care Insurance5
  • Retirement Planning6
  • Sustainable Investing7
  • Wealth Management8
  • Institutional Services
  • Philanthropic Services
  • Planning for Individuals with Special Needs9
  • Cash Management10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Experience

For more than 15 years, Jeff Gale has been helping clients with their wealth management needs.  Jeff is a CERTIFIED FINANCIAL PLANNER™ practitioner which demonstrates his  knowledge in developing specific strategies seeking to minimize taxes,  preserve assets, maximize growth and transfer wealth.


With more than a decade of financial sector experience, Steve joined the Gale Group in 2012 to serve as a financial resource to individuals seeking customized retirement solutions.   Prior to joining Morgan Stanley, Steve served as the CFO of Marin Community Clinics and worked at several of the top Certified Public Accounting firms in the Bay Area.


With 20 years of brokerage experience, Caroline began her career with Smith Barney and has remained with the company post joint venture with Morgan Stanley. For 17 years she worked in Operations as an integral member in providing service and support to management teams, financial advisors and client service associates.

    Working With You

    The group positions their clients to achieve their goals by using a combination of actively and passively managed portfolios to build and maintain wealth, as well as prepare for multigenerational wealth transfer.  The team is skilled at designing sustainable/responsible customized investment solutions for clients that desire to integrate environmental, social and governance concerns into their portfolios.  By working with the Gale Group at Morgan Stanley, clients have access to some of the most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.

      Community Involvement

      Believing access to literature for all must be available community-wide; Jeff is the Treasurer of the Lafayette Library and Learning Center Foundation and has been on the board since 2010.


      Steve is committed to making a difference in his community and serves as a director of the Contra Costa Humane Society.  In addition, he has actively volunteered for the Contra Costa County Animal Shelter for more than 10 years.

        Our Clients

        Long-term investors with $1 to $25 million in investable assets; most clients are focused on wealth accumulation, maintaining wealth and/or transitioning wealth to future generations. We are the primary trusted advisor, working closely with our clients' CPA's and estate planning attorneys.

          Location

          1333 N California Blvd
          Suite 133
          Walnut Creek, CA 94596
          US
          Direct:
          (925) 746-2924(925) 746-2924
          Toll-Free:
          (800) 949-5199(800) 949-5199

          Meet The Gale Group

          About Me

          Jeffrey Gale, CFP® Senior Vice President, Senior Investment Management Consultant, Wealth Advisor
          For more than 15 years, Jeffrey Gale has been helping clients with their wealth management needs.  Jeffrey is a CERTIFIED FINANCIAL PLANNER™ practitioner which demonstrates his  knowledge in developing specific strategies seeking to minimize taxes,  preserve assets, maximize growth and transfer wealth.  He presently acts as the Chief Portfolio Strategist for the Gale Group.  Prior to joining the Walnut Creek CA branch of Morgan Stanley in 2001, Jeff began his financial career as a portfolio accountant at State Street Bank.  During his tenure, he worked with nationally and globally known institutional pension and endowment/foundation clients, such as CALPERS, CALSTRS and the Bill and Melinda Gates Foundation.  Jeffrey earned his B.S. in Business Management from Saint Mary’s College of California.  Jeffrey is passionate about helping clients make their desires a reality and hearing clients say their expectations were exceeded.
          Believing access to literature for all must be available community-wide; Jeffrey served as the Treasurer of the Lafayette Library and Learning Center Foundation and has been on the board since 2010.   
          Jeffrey and his wife reside in Orinda, California, and are busy raising three children.  In his free time, he enjoys running, mountain biking, skiing and dirt-biking.
          Securities Agent: TX, CA, WY, WI, WA, VA, UT, TN, SC, PA, OR, OK, OH, NY, NV, NM, NJ, NC, MO, MI, MD, KY, IL, ID, HI, GA, FL, CO, AZ, AR, AL; Managed Futures; General Securities Representative; Investment Advisor Representative
          NMLS#: 1268210

          About Me

          Steven Amos, Financial Advisor
          With more than a decade of financial sector experience, Steven joined the Gale Group (Walnut Creek CA) in 2012 to serve as a financial resource to individuals seeking customized retirement solutions.   Prior to joining Morgan Stanley, Steven served as the CFO of Marin Community Clinics and worked at several of the top Certified Public Accounting firms in the Bay Area.  These opportunities have allowed Steven to work closely with a variety of non-profit organizations and provided a strong foundation for his role as a financial advisor.  Steven graduated from Portland State University in Oregon with a B.A. in Accounting.  Clients benefit from his combination of skills as a financial advisor and insight into non-profit operations, including investment policy statement reviews and working collaboratively with board members.
          Steven is committed to making a difference in his community and serves as a director of the Contra Costa Humane Society.  In addition, he has actively volunteered for the Contra Costa County Animal Shelter for more than 10 years.
          Steven and his wife reside in Martinez, California, and when he is not volunteering, he enjoys a variety of outdoor recreation, including baseball and running.
          Securities Agent: CA, WI, WA, VA, UT, TX, OR, NY, NV, CO, AZ, AL; General Securities Representative; Investment Advisor Representative
          NMLS#: 1262353
          CA Insurance License #: 0I13758

          About Me

          Caroline A. Zapata, Portfolio Associate
          With 20 years of brokerage experience, Caroline began her career with Smith Barney and has remained with the company post joint venture with Morgan Stanley. For 17 years she worked in Operations as an integral member in providing service and support to management teams, financial advisors and client service associates. In the last few years Caroline has transitioned in her role and has been working directly with financial advisors and clients. She joined the Gale Group (Walnut Creek CA) in April of 2015 as a Senior Registered Associate and is now a Portfolio Associate.   Caroline and her husband reside in Brentwood, California and enjoy spending time with family and friends.
          Investment and Market Perspectives

          On the Markets

          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
          Choosing an Environmental Charity

          Choosing an Environmental Charity

          There are a multitude of non-profits dedicated to helping protect the environment. Here’s how to choose where you want to give.

          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
          Investing in Artificial Intelligence and Automation

          Investing in Artificial Intelligence and Automation

          AI is an exciting growth area, but the investing opportunities are not always obvious. Here’s how to integrate this theme into your portfolio.

          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
          A Parent's Guide to Talking to Your Kids About Money

          A Parent's Guide to Talking to Your Kids About Money

          Raising kids to be smart about money requires creating an environment where they are neither insecure, nor overconfident about family finances.

          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
          Facing Financial Stress? Your Employer May Be Able to Help

          Facing Financial Stress? Your Employer May Be Able to Help

          Many of us face money worries. You may be able to get advice and education from an unexpected source.

          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.

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          Ready to start a conversation? Contact The Gale 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.

          1Morgan 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.

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

          3Investors 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.

          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.

          5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

          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.

          7The 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.

          8Morgan 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.

          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 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

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          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.

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          *References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.


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