Welcome

Our goal is to help our clients reach their financial goals through thoroughly understanding their financial needs and then aligning the resources to help them meet or exceed them. We can help our clients evaluate near-term concerns and plan for long-term goals, be a sounding board for investment ideas, assist them in developing and executing a strategy that is precisely their own and helps them meet their needs.
Services Include
  • Retirement Planning1
  • Financial Planning2
  • 401(k) Rollovers
  • 529 Plans3
  • Asset Management4
  • Qualified Plans
  • Qualified Retirement Plans5
  • Defined Contribution Plans6
  • Estate Planning Strategies7
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Working With You

The Golden Gate Group at Morgan Stanley has more than 30 years of experience dealing with affluent families, offering personalized guidance to reduce the complexity and uncertainty associated with financial planning.

    Community Involvement

    Lucile Packard Children's Hospital






    St. Jude Children's Research Hospital






    SF-Marin Food Bank






    Boy Scouts of America

      Location

      555 California St
      35th Floor
      San Francisco, CA 94104
      US
      Direct:
      (415) 984-6016(415) 984-6016
      Toll-Free:
      (800) 289-9060(800) 289-9060

      Meet The Golden Gate Group

      About Me

      Professional Details

      2003 - Present: Morgan Stanley* Financial Advisor
      37 Years Experience in Institutional Trading in Fixed Income and Equity Markets
      BA - Social Sciences / 
      Political Science & Economics, 1977
      Stanford University
      Stanford, CA
      United States Golf Association
      Member since 1980
      Series 7 - General Securities Representative
      Series 63 - Uniform State Exam
      Series 66 - Combined Investment Advisory Agent & Uniform State Exam
      Series 31 - Managed Futures & Commodities
      Life, Accident, Health, Variable Health, & Variable Annuity Insurance Licensed
      Long Term Care Insurance Licensed
      Securities Agent: CA, WY, WA, VT, VA, UT, TX, OR, OH, NY, NV, NM, NJ, NC, MT, MS, MO, MN, MI, MD, MA, LA, KY, KS, IN, IL, ID, HI, FL, DE, DC, CT, CO, AZ; Managed Futures; General Securities Representative; Investment Advisor Representative
      NMLS#: 1786997

      About Me

      Professional Details

      1990 - present: Morgan Stanley*
      Financial Advisor, Certified Financial Planner™
      BA History, Pomona College, Claremont, CA, 1985
      Series 7 - NYSE/NASD General Securities, 1990
      Series 63 - Uniform State Exam, 1990
      Series 65 - Investment Advisory Agent, 2000
      Insurance License, 1990
      Troop Scout Master, Boys Scouts of America
      Presenter for Junior Achievement (Nonprofit)
      Securities Agent: CA, WY, WA, VT, VA, UT, TX, OR, OH, NY, NV, NM, NJ, NC, MT, MS, MO, MN, MI, MD, MA, LA, KY, KS, IN, IL, ID, HI, GA, FL, DE, DC, CT, CO, AZ; General Securities Representative; Investment Advisor Representative
      NMLS#: 1791999

      About Me

      Professional Details

      37 Years Experience at Morgan Stanley
      Series 7 - General Securities Representative, 2001
      Series 66 - Combined Investment Advisory Agent & Uniform State Exam, 2001

      tel: (415) 984-6653
      fax: (415) 984-6596
      a.rippolone@morganstanley.com

      About Me

      Professional Details

      15 Years Experience at Morgan Stanley
      Series 7 - General Securities Representative, 2013
      Series 63 - Uniform State Exam, 2013




      tel: (415) 984-6080
      fax: (415) 984-6596
      nacole.carson@morganstanley.com
      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.

      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.

      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
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      6 Keys to Building a Startup

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      Sign Up for eDelivery

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

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      Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
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      Ready to start a conversation? Contact The Golden Gate 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 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.

      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.

      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 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.

      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.

      6Tax 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.

      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.

      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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