Randall Krenzin, CFP®
Financial Advisor, Managing Director, Executive Financial Services Director, Family Wealth Director, Portfolio Manager, Workplace Advisor – Equity Compensation
Phone:
(408) 947-3760(408) 947-3760
The Krenzin Wealth Management Group at Morgan Stanley
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Wealth ManagementFootnote1
- Asset Management
- Estate Planning StrategiesFootnote2
- Wealth PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- Philanthropic ManagementFootnote5
- Cash Management and Lending ProductsFootnote6
- Endowments and FoundationsFootnote7
- Stock Option PlansFootnote8
- Executive Financial ServicesFootnote9
- Financial PlanningFootnote10
- SyndicateFootnote11
- Structured ProductsFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Planning For Your Family's Financial Needs
Philanthropic Planning
Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives however, can be challenging when there are so many worthy causes and so many unmet needs.
Strategic Philanthropy
Charitable Giving
Morgan Stanley Global Impact Funding Trust, Inc. (Morgan Stanley GIFT) is pleased to take this opportunity to provide you with an overview of some of the common methods that individuals use to make charitable gifts, along with some important tips that you should keep in mind.
Charitable Giving Review
Trust and Estate Planning
With you every step of the way, The Krenzin Wealth Management Group analyzes a client's tax and estate structure so that their tax characteristics are accurately incorporated in the asset allocation analysis.
Tax, Trust and Estate Planning Overview
Intangible Asset Management
Intangible assets are becoming increasingly important for individuals and companies to grow and generate profits.
Expectations and the Role of Intangible Assets
Family Governance
Particularly in the case of an ultra high net worth family engaged in a common enterprise, such as running a family business, operating a family office, or simply investing together as a family, it's extremely important to have a sound framework within which to make decisions - in other words, a family governance system.
Family Governance System
Signature Access
A broad range of specialty services are available to enrich and enhance the health, safety, comfort, and interests of affluent families, from private aviation, personal security, art advisory, and household staffing, to private health advisory services and advisory services for single family offices.
The Lifestyle Advisory Offering
Wealth Education
Financial Literacy means being empowered with the knowledge to make smart financial decisions during every stage of life. Discussing family finances is especially important with adult children, no matter their age. It's not always easy, but starting the conversation is a key step in long-term wealth planning.
Financial Empowerment Across GenerationsExecutive Financial Services
Complex regulations around the trading of company stock can be difficult to navigate and time-consuming for even the most seasoned of executives. The Krenzin Wealth Management Group provides high-touch, white-glove service from dedicated teams filled with seasoned professionals. In addition, Morgan Stanley has Ranked #1 in Rule 144 and 10b5-1 Transaction Services over the last 14 Years.
The Krenzin Wealth Management Group will work with your plan administrators and legal team to create a streamlined trading process, providing your executives a clear path to liquidity. As specialists in the equity compensation plan space, our team has the ability to leverage industry best practices to help maximize the impact of your plan.
The Krenzin Wealth Management Group will work with your plan administrators and legal team to create a streamlined trading process, providing your executives a clear path to liquidity. As specialists in the equity compensation plan space, our team has the ability to leverage industry best practices to help maximize the impact of your plan.
Solutions For The Organization
• Stock Plan Services
• Corporate Cash Management
• Corporate Retirement Services
• Non-Qualified Deferred Compensation Plans
• Investment Banking
• Banking and Lending
• Insurance Needs for Business Owners
• Third-Party Expertise
Solutions For The Organization• Corporate Cash Management
• Corporate Retirement Services
• Non-Qualified Deferred Compensation Plans
• Investment Banking
• Banking and Lending
• Insurance Needs for Business Owners
• Third-Party Expertise
Solutions For Founders and Employees
• Financial Planning
• 10b5-1 Plans
• Tax-Efficient Pre-Liquidity Planning
• Philanthropic and Gifting Strategies
• Family Wealth Transfer Plans
• Managing Concentrated Positions
• Cash Flow Requirements in Retirement
• Insurance Needs
• Long-Term Care
Solutions For Executives• 10b5-1 Plans
• Tax-Efficient Pre-Liquidity Planning
• Philanthropic and Gifting Strategies
• Family Wealth Transfer Plans
• Managing Concentrated Positions
• Cash Flow Requirements in Retirement
• Insurance Needs
• Long-Term Care
Modern Wealth Management Tools and Resources
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Total Tax 365
Taxes can make a big difference over the long run in helping meet financial goals - so you need a tax-smart edge. That's why I wanted to make you aware of Morgan Stanley Tax Management Tools to help efficiently manage your capital gains.
Click Here
Tax Management Services
A wealth management tax strategy designed to help keep more of you returns with a tax-managed investment portfolio.
View Here
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2025 federal tax tables2024 Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2024 federal tax tables
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Learn more about the Portfolio Risk Platform
Goals-Based Planning
Working with Morgan Stanley and its advanced wealth management technology is an ideal way to access advice and build a coherent wealth plan. Read more about the advantages of working with our unique planning technology to help reach your financial goals, whatever they may be.
Learn more about Goals-Based Planning
LifeView
LifeView is a suite of planning tools that creates a realistic, integrated strategy meant to incorporate aspects of an individual’s financial life, including investments and cash management needs. It also provides progress-to-goals reporting which illustrate complex planning strategies.
Access the LifeView Risk Tolerance Questionnaire
Family Office Resources
Family Office Resources (FOR) is a helpful resource that provides specialized technical expertise to ultra-high net worth advisors and clients across a broad range of family wealth management issues.
Learn more about Family Office Resources
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn more about Morgan Stanley Online
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn more about Total Wealth View
Online Security Center
Safeguarding your assets and personal information is among our highest priorities here at the Krenzin Wealth Group. Learn about our extensive security measures and take advantage of our vast array of resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Learn more about the Online Security CenterCharitable Gifting Strategies
Effective tax planning should include careful consideration of the most tax-efficient strategy for achieving charitable goals; a well-structured charitable plan allows you to contribute to the causes you care about while potentially achieving a tax benefit.
Learn MoreEstate Planning Brochure
You have worked long and hard to achieve success and build wealth for you and your family. There have been numerous challenges along the way. You may be at a point now where your greatest challenge is preserving your wealth and building a plan for its transition to those you choose in a way you choose.
Estate Planning Brochure
Wealth and Estate Planning Video Series
Explore a series of educational videos covering topics such as Foundational Estate Planning Documents, Estate & Gift Taxes, Grantor Retained Annuity Trusts (GRATs), Irrevocable Life Insurance Trusts and more.
Watch Videos
Legacy Planning
Legacy planning isn't just for older people. You can consider how to provide for your loved ones while balancing your own goals at any age. Life happens quickly; make it a priority to coordinate your financial goals.
Learn MoreIn The Press
By putting clients first, our team's Financial Advisors are leading the way.
Forbes Best-In-State Wealth Management Teams 2023-2025
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023, Jan 2024, and Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/24. For criteria & methodology, go to www.SHOOKresearch.com.
Learn MoreSource: Forbes.com (Awarded Jan 2023, Jan 2024, and Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/24. For criteria & methodology, go to www.SHOOKresearch.com.
2023, 2025 Forbes Best in State Wealth Advisor
Randall Krenzin
2025 Forbes Best-In-State Wealth Advisors
[Source: Forbes (Awarded April 2025). Data compiled by SHOOK Research LLC based for the period 6/30/23–6/30/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Press Release2025 Forbes Best-In-State Wealth Advisors
[Source: Forbes (Awarded April 2025). Data compiled by SHOOK Research LLC based for the period 6/30/23–6/30/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Financial Times Top 400 Financial Advisors List 2020
- Randall Krenzin
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Apr 2020) Data compiled by the Financial Times based on time period from 6/30/16 - 6/30/19.
LinkFinancial Times 400 Top Financial Advisors
Source: ft.com (Awarded Apr 2020) Data compiled by the Financial Times based on time period from 6/30/16 - 6/30/19.
Morgan Stanley's Chairman's Club
2022-2024 - Randall Krenzin
Morgan Stanley Wealth Management Chairman’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Chairman’s Club membership is no guarantee of future performance.
Chairman's Club Press ReleaseMorgan Stanley Wealth Management Chairman’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Chairman’s Club membership is no guarantee of future performance.
CFA Insititute 15-Year milestone
2020 - Eric Le Towt
Location
16000 Los Gatos Blvd
Los Gatos, CA 95032
US
Direct:
(408) 947-3764(408) 947-3764
401 Fremont St
Suite 200
Monterey, CA 93940
US
20400 Stevens Creek Blvd
Suite 350
Cupertino, CA 95014
US
14850 North Scottsdale Road
6th Floor
Scottsdale, AZ 85254
US
Meet The Krenzin Wealth Management Group
Managing Director, Wealth Management, Financial Advisor, International Client Advisor, Portfolio Manager
Phone:
(408) 861-2177(408) 861-2177
Executive Director, Wealth Management, Financial Advisor, Portfolio Management Director, Workplace Advisor - Equity Compensation
Phone:
(408) 947-3769(408) 947-3769
Thomas Donnelly
Financial Advisor, Workplace Advisor - Equity Compensation
Phone:
(831) 646-6106(831) 646-6106
Michael Mosher
Business Development Director
Phone:
(408) 947-3764(408) 947-3764
Luisa Garcia
Assistant Vice President, Wealth Management Associate
Phone:
(408) 947-3768(408) 947-3768
Jacob Torres, CFP®
Wealth Management Associate
Phone:
(408) 947-3771(408) 947-3771
Jack Luo
Registered Client Service Associate
Phone:
(408) 861-2062(408) 861-2062
About Randall Krenzin
Randall Krenzin has dedicated the last 28 years delivering targeted, timely investment counsel to clients. Randy believes a trusting relationship is the foundation for understanding and successfully helping clients achieve their goals and objectives. He feels fortunate that he found his passion for a career as a financial advisor in his early high school years. Tailoring his studies at a young age, both inside and outside of traditional schooling, helped him frame a firm foundation at the origin of his career. This passion to deliver the highest level of expertise and service still shines through today helping him rise to the top of his field. Randy and his team offer a family office style approach to wealth management bringing guidance in the areas of estate investment planning, tax minimization, active portfolio management, and concentrated wealth diversification strategies. Randy is also one of a select group at Morgan Stanley Wealth Management who has met the stringent criteria based on experience and expertise to manage portfolios through the Portfolio Management program and was elected to the Chairman’s Council at Morgan Stanley in his first year of joining the firm.
Over Randy’s career, he has earned numerous awards and acknowledgement for his successful client practices and service. Randy has received industry wide recognition from both the “Financial Times” and “Bank Investment Consultant” magazines. He was named to the “Bank Investment Consultant” Top 50 Bank Advisors List for multiple years and most recently in 2020 he was named to the “Financial Times” Top 400 Advisors List.
Randy is active in his community and has been a board member for the Tech Museum of Innovation since 2012. The Tech Museum, whose mission is to inspire the innovator in everyone, has over half a million visitors annually and provides opportunities to students who need help the most – those traditionally underrepresented in STEM such as Title One schools and young women. The Techs platform is designed for kids ages 8-18, but people of all ages enjoy the experience. Randy is also a member of the San Jose Rotary Chapter.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Apr 2020) Data compiled by the Financial Times based on time period from 6/30/16 - 6/30/19.
Over Randy’s career, he has earned numerous awards and acknowledgement for his successful client practices and service. Randy has received industry wide recognition from both the “Financial Times” and “Bank Investment Consultant” magazines. He was named to the “Bank Investment Consultant” Top 50 Bank Advisors List for multiple years and most recently in 2020 he was named to the “Financial Times” Top 400 Advisors List.
Randy is active in his community and has been a board member for the Tech Museum of Innovation since 2012. The Tech Museum, whose mission is to inspire the innovator in everyone, has over half a million visitors annually and provides opportunities to students who need help the most – those traditionally underrepresented in STEM such as Title One schools and young women. The Techs platform is designed for kids ages 8-18, but people of all ages enjoy the experience. Randy is also a member of the San Jose Rotary Chapter.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Apr 2020) Data compiled by the Financial Times based on time period from 6/30/16 - 6/30/19.
Securities Agent: MO, NJ, NH, WA, VA, UT, TX, TN, RI, PR, PA, OR, OH, NY, NV, NC, AR, AZ, CA, CO, CT, FL, ID, IN, KY, MA, MD, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 2256766
CA Insurance License #: 0B57481
NMLS#: 2256766
CA Insurance License #: 0B57481
About Me
With almost three decades of experience, Michelle takes a unique approach by utilizing a lifetime of acquired skills to help affluent families and high net worth clients save for the future and protect what’s most important to them. Michelle’s expertise and comprehensive understanding of the financial planning process allows her to adequately navigate the often-convoluted planning process that high net worth clients desire in order to be able to implement holistic, tailored solutions that meet and deliver on their strategic needs.
Shortly after obtaining her MBA, Michelle began her career as a Management Trainee with a leading international bank in Macau. Since then, Michelle has had the privilege to serve in various client facing and managerial roles within the industry to build and reinforce her knowledge from commercial credit and corporate finance to private client and banking center management. After discovering her aptitude for wealth management, particularly for high-net worth individuals and business owners, she joined Bank of America in 2001 and obtained both her Certified Financial Planner and Chartered Financial Consultant designation. Prior to joining Morgan Stanley, Michelle spent 14 years at Wells Fargo, recently as a Managing Director, after having been promoted several times since her initial move to the bank.
Outside of work, Michelle is a proud mother of two and enjoys staying active through yoga, dance, hiking, and traveling to new destinations.
Shortly after obtaining her MBA, Michelle began her career as a Management Trainee with a leading international bank in Macau. Since then, Michelle has had the privilege to serve in various client facing and managerial roles within the industry to build and reinforce her knowledge from commercial credit and corporate finance to private client and banking center management. After discovering her aptitude for wealth management, particularly for high-net worth individuals and business owners, she joined Bank of America in 2001 and obtained both her Certified Financial Planner and Chartered Financial Consultant designation. Prior to joining Morgan Stanley, Michelle spent 14 years at Wells Fargo, recently as a Managing Director, after having been promoted several times since her initial move to the bank.
Outside of work, Michelle is a proud mother of two and enjoys staying active through yoga, dance, hiking, and traveling to new destinations.
Securities Agent: TX, PA, WA, VA, UT, TN, RI, PR, OR, OH, NY, NV, NJ, NC, MO, KY, KS, IN, IL, MA, ID, FL, CT, MN, CO, CA, AZ, AR, AK, MD, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 2503216
NMLS#: 2503216
About Eric Le Towt
Eric was born and raised in Carmel CA. In 1993, after spending 4 years on the East Coast attending Lehigh University and earning a B.S. in Finance, he returned to the West Coast to begin his career. He soon obtained a position on the floor of the Pacific Exchange in San Francisco trading equity and index options. This experience was the foundation that lead him to a position as a Risk Manager at Bear Stearns and later as an Alternative Investment Analyst for a San Francisco based family office.
After marrying his wife Kim, Eric left the City and the institutional side of the business behind and relocated to his roots in Carmel. Once settled in Carmel, he was hired by Wells Fargo and spent the next 15 years helping high net worth families manage their financial affairs. In 2021, Eric was invited to join Morgan Stanley as a member the Krenzin Wealth Management Group.
When not at work, Eric enjoys spending time with his family, hiking with his dogs and working out.
After marrying his wife Kim, Eric left the City and the institutional side of the business behind and relocated to his roots in Carmel. Once settled in Carmel, he was hired by Wells Fargo and spent the next 15 years helping high net worth families manage their financial affairs. In 2021, Eric was invited to join Morgan Stanley as a member the Krenzin Wealth Management Group.
When not at work, Eric enjoys spending time with his family, hiking with his dogs and working out.
Securities Agent: CT, HI, ID, IN, KY, MA, MD, NC, NH, NV, NY, OR, PA, RI, TN, TX, UT, VA, WA, FL, AR, AZ, CA, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 2148373
CA Insurance License #: 0E94013
NMLS#: 2148373
CA Insurance License #: 0E94013
About Thomas Donnelly
Tom is dedicated to helping individuals and families develop financial and investment strategies to streamline their goals and objectives. His goal is to provide every client with targeted, comprehensive financial advice and portfolio management - delivered with the highest level of personal service and professional integrity.
Tom arrived in Monterey from the Central San Joaquin Valley and graduated from California State University, Fresno with a Bachelor’s of Science degree in Business Administration with an emphasis in finance. In his early career, Tom co-founded two businesses that specialized in agricultural commodities management and trading. As an entrepreneur, he received the knowledge and work ethic to guide him in building a successful wealth management practice. Tom transitioned into private wealth management with Merrill Lynch in Carmel and in 2013 joined The Krenzin Wealth Management Group of Wells Fargo Advisors. Tom is very excited to be a part of the Morgan Stanley team to take the client experience to the next level with excellent service and client portfolios specifically designed for each individual’s needs.
Tom's, wife Tiffany and children Ashlen and Brinley live in Monterey and enjoy spending as much time as possible outdoors in the beautiful landscape of the central coast. Tom is very active in his local community and currently serves on the Board of Directors for the Monterey Museum of Art.
Tom arrived in Monterey from the Central San Joaquin Valley and graduated from California State University, Fresno with a Bachelor’s of Science degree in Business Administration with an emphasis in finance. In his early career, Tom co-founded two businesses that specialized in agricultural commodities management and trading. As an entrepreneur, he received the knowledge and work ethic to guide him in building a successful wealth management practice. Tom transitioned into private wealth management with Merrill Lynch in Carmel and in 2013 joined The Krenzin Wealth Management Group of Wells Fargo Advisors. Tom is very excited to be a part of the Morgan Stanley team to take the client experience to the next level with excellent service and client portfolios specifically designed for each individual’s needs.
Tom's, wife Tiffany and children Ashlen and Brinley live in Monterey and enjoy spending as much time as possible outdoors in the beautiful landscape of the central coast. Tom is very active in his local community and currently serves on the Board of Directors for the Monterey Museum of Art.
Securities Agent: ID, NH, RI, PA, NC, IN, MD, KY, CA, WA, OR, UT, NJ, FL, CO, AZ, AR, TN, CT, VA, SC, MO, NV, MA, TX, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 999857
CA Insurance License #: 0I80114
NMLS#: 999857
CA Insurance License #: 0I80114
About Michael Mosher
Mike has worked in the financial services industry his entire professional career. His wealth management industry experience includes over twenty-five years in sales management and supervisory positions at Ameriprise Financial, Portsmouth Financial, Wells Fargo Advisors, Citi/Smith Barney and Bank of the West (BNP), as well as over three years as a Financial Advisor at Wells Fargo Investments. His teams have always been among the top performers as they are focused on and dedicated to making the clients’ needs the top priority.
Mike holds a B.A. from the University of California, Berkeley, a M.B.A. from the University of Phoenix and a graduate degree in banking from the Pacific Coast Banking School/University of Washington. He holds the Series 4, 7, 9, 10, 24, 53, 63 and 65 securities licenses with FINRA and is insurance licensed with the State of California.
Mike is married and has four children. He enjoys playing multiple sports, music, food and wine.
Mike holds a B.A. from the University of California, Berkeley, a M.B.A. from the University of Phoenix and a graduate degree in banking from the Pacific Coast Banking School/University of Washington. He holds the Series 4, 7, 9, 10, 24, 53, 63 and 65 securities licenses with FINRA and is insurance licensed with the State of California.
Mike is married and has four children. He enjoys playing multiple sports, music, food and wine.
CA Insurance License #: 0A74514
About Luisa Garcia
Luisa brings more than 13 years of experience working in the banking and financial services industries. Prior to joining Morgan Stanley in 2018, she was a Registered Client Associate at Merrill Lynch in Santa Monica, CA and at Wells Fargo Advisors in Carmel, CA.
In her role on the Krenzin Wealth Management Group, Luisa focuses on delivering personalized, efficient and proactive client service while building and nurturing client relationships. She enjoys working directly with clients and takes pride in helping them meet their ongoing financial needs.
Luisa earned her Bachelor’s degree in Political Science and Public Affairs from UCLA and holds a certificate in Financial Planning from UC Berkeley. She is FINRA Series 7 & 66 licensed and speaks Spanish fluently. She is a member of the UCLA Latino Alumni Association and served as the Association’s Finance Chair from July 2018 until July 2020. In her spare time, she can be found spending time with family and friends, working out, dancing, reading and traveling. Luisa was born and raised in the beautiful Monterey Peninsula.
In her role on the Krenzin Wealth Management Group, Luisa focuses on delivering personalized, efficient and proactive client service while building and nurturing client relationships. She enjoys working directly with clients and takes pride in helping them meet their ongoing financial needs.
Luisa earned her Bachelor’s degree in Political Science and Public Affairs from UCLA and holds a certificate in Financial Planning from UC Berkeley. She is FINRA Series 7 & 66 licensed and speaks Spanish fluently. She is a member of the UCLA Latino Alumni Association and served as the Association’s Finance Chair from July 2018 until July 2020. In her spare time, she can be found spending time with family and friends, working out, dancing, reading and traveling. Luisa was born and raised in the beautiful Monterey Peninsula.
CA Insurance License #: 0K09255
About Jacob Torres
Jacob is a Wealth Management Associate with The Krenzin Group with over 15 years of financial industry experience. In this role, he works with the team’s financial advisors to develop financial plans that align with clients’ objectives and implement strategies to achieve their goals. Prior to joining Morgan Stanley, he held the role of Trust Associate at Wells Fargo Private Bank in Carmel, California. In that position, he worked directly with clients and provided operational support to a team of trust and investment officers. In his 13 years with the firm, he gained extensive experience in the banking, lending, and fiduciary needs of high net worth households.
Jacob holds a Bachelor of Science degree in Financial Management from Franklin University. In 2024, he earned the CERTIFIED FINANCIAL PLANNER® certification. He also holds Series 7 and 66 registrations with FINRA and is insurance licensed in California.
When not at work, Jacob enjoys traveling with his wife, reading, and spending time behind a BBQ pit.
*This role cannot solicit or provide investment advice
Jacob holds a Bachelor of Science degree in Financial Management from Franklin University. In 2024, he earned the CERTIFIED FINANCIAL PLANNER® certification. He also holds Series 7 and 66 registrations with FINRA and is insurance licensed in California.
When not at work, Jacob enjoys traveling with his wife, reading, and spending time behind a BBQ pit.
*This role cannot solicit or provide investment advice
CA Insurance License #: 4183586
About Jack Luo
Jack Luo, a vibrant addition to Morgan Stanley since 2022, brings five years of financial industry experience and a zest for both work and play. Known for his dynamic approach, Jack thrives in maintaining client relationships, ensuring personalized support that goes beyond transactions. His journey in finance has not only equipped him with knowledge in market dynamics but also a keen understanding of the diverse needs of clients.
Jack's mantra is "working hard, playing hard," reflecting his dedication to professional excellence and his vibrant, fun-loving personality. Whether navigating the intricacies of financial transactions or engaging in client support, Jack's enthusiasm shines through. His ability to blend a strong work ethic with a lively spirit makes him not just a valued professional at Morgan Stanley but a delightful presence in the financial arena.
Jack's mantra is "working hard, playing hard," reflecting his dedication to professional excellence and his vibrant, fun-loving personality. Whether navigating the intricacies of financial transactions or engaging in client support, Jack's enthusiasm shines through. His ability to blend a strong work ethic with a lively spirit makes him not just a valued professional at Morgan Stanley but a delightful presence in the financial arena.
Contact Randall Krenzin
Contact Michelle Peng
Contact Eric Le Towt
Contact Thomas Donnelly
Wealth Management
From Our Team
A Simple Six-Step Retirement Checkup
This is a video content
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
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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Krenzin Wealth Management 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 and other legal matters.
3Morgan 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.
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. 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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. 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.
6Morgan 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
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, charitable giving, philanthropic planning and other legal matters.
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 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.
11Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
12Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 and other legal matters.
3Morgan 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.
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. 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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. 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.
6Morgan 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
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, charitable giving, philanthropic planning and other legal matters.
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 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.
11Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
12Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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)
