Phone:
(415) 693-6847(415) 693-6847
The Kremer Morthel Gallisa Group at Morgan Stanley
Our Mission Statement
We help our clients navigate their complex financial lives, and empower them through problem solving, education and personalized wealth management.
Our Story
We formed the Moxley Kremer Group in 2003 with a core group of select financial advisors who had been working with affluent individuals and families for several decades. We've always believed in the value of a diverse team and perspective to holistically care for clients’ financial well-being.
Our group provides a broad range of services including wealth management, financial planning, estate planning, retirement planning, and sustainable investing strategies.
However, family wealth management is a more inclusive service than solely financial planning or investment management.
• If you want to develop a strategy for rising healthcare costs or social security benefits selection, we have resources.
• If you are managing your equity options, we provide strategic guidance.
• If you are committed to teaching your children or grandchildren about personal finance, we have the experience.
Our group provides a broad range of services including wealth management, financial planning, estate planning, retirement planning, and sustainable investing strategies.
However, family wealth management is a more inclusive service than solely financial planning or investment management.
• If you want to develop a strategy for rising healthcare costs or social security benefits selection, we have resources.
• If you are managing your equity options, we provide strategic guidance.
• If you are committed to teaching your children or grandchildren about personal finance, we have the experience.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Kremer Morthel Gallisa Group at Morgan Stanley
We believe our team’s success is due in no small part to the real, measurable effort we put into getting to know our clients and developing abiding relationships that stand the test of time.
We Offer:
• DIVERSITY of gender, culture, age, and life experiences, allowing us to offer a range of ”out of the box” perspectives and high quality ideas to your unique situation
• CUSTOM solutions through a lens of independent thinking to help you reach your goals, with flexibility as situations evolve
• FAMILY-like connections often spanning multiple generations with emotional intelligence and sensitivity
• TEAM of experienced advisors with a high likelihood that you find affinity and engagement -- located in downtown San Francisco, no virtual advisors
• TRANSPARENT, two-way communication via in-person meetings and phone calls, along with 24/7 account access through Morgan Stanley Online and MS Mobile
• CUSTOM solutions through a lens of independent thinking to help you reach your goals, with flexibility as situations evolve
• FAMILY-like connections often spanning multiple generations with emotional intelligence and sensitivity
• TEAM of experienced advisors with a high likelihood that you find affinity and engagement -- located in downtown San Francisco, no virtual advisors
• TRANSPARENT, two-way communication via in-person meetings and phone calls, along with 24/7 account access through Morgan Stanley Online and MS Mobile
We can help!
Vivian, William, Daniel, Heather and Joe
Vivian, William, Daniel, Heather and Joe
Our Client-Centric Process
We are passionate about problem solving, and our diverse team brings a wealth of perspectives and life experiences which help us sort through our clients’ complex financial lives. Our clients recognize this and depend on us to guide them through critical events.
A disciplined approach helps us help you retain focus on the end-goal of family financial health during times of market volatility or life changing events, whether planned or unexpected. Our client engagement is driven by your unique needs and interests.
Let us help you!
Vivian Kremer, William Morthel, Daniel Gallisá, Heather Moen-Bell and Joe Reid
A disciplined approach helps us help you retain focus on the end-goal of family financial health during times of market volatility or life changing events, whether planned or unexpected. Our client engagement is driven by your unique needs and interests.
Let us help you!
Vivian Kremer, William Morthel, Daniel Gallisá, Heather Moen-Bell and Joe Reid
Upcoming Firm Events
We hope you will join us for this upcoming event.
AI Revolution: The Breakthrough, the Buzz and a Blueprint for the Future
We invite you to watch the replay from our thought-provoking conversation on artificial intelligence (AI) with James Dyett, OpenAI's Head of Enterprise & Strategic Sales, Keith Weiss, Morgan Stanley's Head of U.S. Software Research Jeff McMillan, Morgan Stanley's Head of Firmwide Artificial Intelligence, recorded on Monday, March 24.
CRC4303146 03/2025
Online
Additional Replays
We curate and provide a few Morgan Stanley publications on select topics that are typically priorities for our clients. Please reach out to learn more about these topics or other particular areas of interest.
On The Markets
Contact us to discuss our Team's current thoughts on the capital markets.
Morgan Stanley's Mike Wilson, Chief US Equity Strategist
Women and Money
Email one of us to discuss our recent seminar on women and money.
A Simple Six-Step Retirement CheckupLocation
101 California St 23rd
Fl
San Francisco, CA 94111
US
Fax:
(415) 870-2070(415) 870-2070
Meet The Kremer Morthel Gallisa Group
Phone:
(415) 693-6009(415) 693-6009
William Morthel
Vice President, Financial Advisor
Phone:
(415) 693-7043(415) 693-7043
Heather Moen-Bell
Portfolio Associate
Phone:
(415) 693-6439(415) 693-6439
Joe Reid
Client Service Associate
Phone:
(415) 693-6197(415) 693-6197
About Vivian Kremer
For over 35 years, Vivian Kremer has been forging and maintaining deep relationships with clients and their families as a dedicated advisor and confidant. As a Wealth Advisor, she has helped to guide clients through major life changes - both financial and personal. She works closely with clients to develop and implement customized cash management and fixed income strategies, which help to navigate market volatility. Explaining the basics to clients unfamiliar with or new to investing, especially women, is one of Vivian's strengths.
Our resident world traveler and photographer, Vivian enjoys high-country hiking and has a deep interest in history. Vivian and her partner, Robert, live in the Cole Valley neighborhood of San Francisco where, for the past 20 years, she volunteers in an after-school literacy program for the SFUSD. For several years, Vivian had also participated in and supported activities at San Quentin State Prison until the 2020 pandemic.
Favorite Movie: Crouching Tiger, Hidden Dragon
Current Read: “Off Mike: A Memoir of Talk Radio and Literary Life” by Michael Krasny
Our resident world traveler and photographer, Vivian enjoys high-country hiking and has a deep interest in history. Vivian and her partner, Robert, live in the Cole Valley neighborhood of San Francisco where, for the past 20 years, she volunteers in an after-school literacy program for the SFUSD. For several years, Vivian had also participated in and supported activities at San Quentin State Prison until the 2020 pandemic.
Favorite Movie: Crouching Tiger, Hidden Dragon
Current Read: “Off Mike: A Memoir of Talk Radio and Literary Life” by Michael Krasny
Securities Agent: UT, IL, NM, NJ, TN, OR, NV, NC, FL, AZ, OH, CA, MA, GA, DE, AK, WI, CT, MD, VA, TX, MT, KY, WA, PA, NY, MN, ME, ID, DC, CO, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1369858
CA Insurance License #: 0C48209
NMLS#: 1369858
CA Insurance License #: 0C48209
About Daniel Gallisá
Daniel Gallisá joined our team in 2010. As a Certified Financial Planner™ and Family Wealth Advisor, he is focused on providing comprehensive financial planning solutions to clients and helping with multi-generational wealth management and legacy concerns. He enjoys asking clients those targeted questions (with a smile) that can help organize a complex financial picture, evaluate priorities and help strategize and manage for successful goals and outcomes.
Originally an east coaster who was born in Puerto Rico, grew up in Connecticut, graduated from Harvard, and worked in New York City… Daniel is getting close to the 25-year mark of calling San Francisco “home.” He lives in the Outer Parkside neighborhood of San Francisco with his wife Kitty and their sons Oscar and Félix. An avid choral singer, he is also an aspiring-to-be-avid cyclist, and an incredibly deft avoider of random LEGO pieces strewn on the floor.
Originally an east coaster who was born in Puerto Rico, grew up in Connecticut, graduated from Harvard, and worked in New York City… Daniel is getting close to the 25-year mark of calling San Francisco “home.” He lives in the Outer Parkside neighborhood of San Francisco with his wife Kitty and their sons Oscar and Félix. An avid choral singer, he is also an aspiring-to-be-avid cyclist, and an incredibly deft avoider of random LEGO pieces strewn on the floor.
Securities Agent: MN, GA, DE, CA, AZ, WA, OR, FL, ME, MD, IL, CO, NY, CT, VA, MA, KY, ID, DC, TX, NJ, OH, NV, MT, AK, UT, NC, PA, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 1264980
CA Insurance License #: 0G94548
NMLS#: 1264980
CA Insurance License #: 0G94548
About William Morthel
William is a 20+ year financial services professional, and has been with The Moxley Kremer Group since its formation. He is responsible for the capital markets analysis and investment due diligence that drives the team's proprietary asset allocation framework and investment positioning advice. An intense passion for finance and an ardent belief in the value of independent thinking drive William's never-ending quest to learn more and to deliver better outcomes to clients. William is a SoCal transplant and currently lives in the Peninsula with his wife, Enikia, and two children, Jayvyn (17) and Samaiya (8). He is also an avid music lover, with experience both as a gigging sliphorn (read: trombone) player and hip-hop DJ. Other hobbies include his keen interest in fashion and, in recent years, a fascination with sports handicapping.
Securities Agent: AK, NY, FL, UT, TX, DE, AZ, VA, NC, MD, MI, MT, KY, DC, ME, CA, NJ, MN, CO, NM, WA, PA, MA, IL, ID, GA, CT, OR, NV, OH; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1653115
NMLS#: 1653115
About Heather Moen-Bell
Heather Moen-Bell is uniquely qualified to be the heartbeat of our client service efforts. She has over 30 years of in-depth experience with Morgan Stanley account protocols. Similar to an “office manager”, Heather delivers service excellence, providing clients a guiding hand and ensuring all administrative and operational issues are resolved quickly and efficiently with a smile. Born and raised in Novato, Heather lives there with her husband, Matt. When not in the office you can usually find Heather happily buried in a book on her Kindle or walking the beach with Matt and their two dogs, Kona and Finn.
Current Read: North & South Trilogy by John Jakes
Favorite California beach: Irish Beach in Mendocino
Current Read: North & South Trilogy by John Jakes
Favorite California beach: Irish Beach in Mendocino
About Joe Reid
Joe Reid became the newest member of the Moxley/Kremer Group in the summer of 2022. Joe works alongside Heather Moen-Bell on the operations side of the business. Prior to Morgan Stanley, Joe experienced working at technology start-ups in sales/partnership roles along with playing professional lacrosse in Atlanta, GA.
Contact Vivian Kremer
Contact Daniel Gallisá
Contact William Morthel
Wealth Management
From Our Team
Women Wealth & Well-Being: Key Takeaways
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
Teaching Your Teenagers About Money
Article Image
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
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
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
Article Image
Ready to start a conversation? Contact The Kremer Morthel Gallisa Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4The 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.
5Morgan 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Municipal bonds may not be appropriate for all investors. Income 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4The 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.
5Morgan 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Municipal bonds may not be appropriate for all investors. Income 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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)