The Krenzin Wealth Management Group at Morgan Stanley

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.

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.

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.

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.

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.

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.

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

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.