Loren Gallup, CIMA®, CFP®
Senior Vice President, Financial Advisor, Family Wealth Director
Phone:
(309) 671-2803(309) 671-2803
The Kwon Gallup Ford Group at Morgan Stanley
Direct:
(309) 671-2803(309) 671-2803
Toll-Free:
(800) 527-3579(800) 527-3579
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
About Us
At the Kwon Gallup Ford Group at Morgan Stanley our goal is to thoroughly understand your financial needs and then align our resources to help you meet or exceed them. Our team can help you evaluate near-term concerns, plan for long-term goals, and be a sounding board for investment ideas. We will assist you in developing and executing a comprehensive strategy that is precisely your own.
We are a Peoria-based wealth management team serving a select number of individuals, families, and businesses, and Fortune 500 senior executives. Our mission is to organize and simplify the complicated and busy financial lives of our clients. Our commitment to this mission is demonstrated through three core principles:
We utilize a holistic approach that includes:
• A values-based discovery process that helps us understand your goals and what truly matters.
• An interactive wealth management process that provides “visual answers” and a clear path to goal achievement.
• Educating clients to help simplify complex issues, which can help clients avoid common mistakes.
Our capabilities allow us to:
• Use our teamwork to maintain client focus and allows for a rational, forward-looking perspective.
• Put ourselves in our clients’ shoes and work with their accountant and attorney to fully integrate their plan.
• To bring world-class resources to bear for clients with a local, personalized feel.
Our personal attention philosophy:
• We work with a select number of clients to ensure accessibility and responsiveness.
• Ongoing communication based on timely, relevant information that is easy to act upon and helps clients stay on track.
• Consistency and a client-centric, dedicated staff help create a caring, comfortable environment.
We are a Peoria-based wealth management team serving a select number of individuals, families, and businesses, and Fortune 500 senior executives. Our mission is to organize and simplify the complicated and busy financial lives of our clients. Our commitment to this mission is demonstrated through three core principles:
We utilize a holistic approach that includes:
• A values-based discovery process that helps us understand your goals and what truly matters.
• An interactive wealth management process that provides “visual answers” and a clear path to goal achievement.
• Educating clients to help simplify complex issues, which can help clients avoid common mistakes.
Our capabilities allow us to:
• Use our teamwork to maintain client focus and allows for a rational, forward-looking perspective.
• Put ourselves in our clients’ shoes and work with their accountant and attorney to fully integrate their plan.
• To bring world-class resources to bear for clients with a local, personalized feel.
Our personal attention philosophy:
• We work with a select number of clients to ensure accessibility and responsiveness.
• Ongoing communication based on timely, relevant information that is easy to act upon and helps clients stay on track.
• Consistency and a client-centric, dedicated staff help create a caring, comfortable environment.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- Asset Management
- Estate Planning StrategiesFootnote2
- Executive Financial ServicesFootnote3
- Financial PlanningFootnote4
- Long Term Care InsuranceFootnote5
- Planning for Education FundingFootnote6
- Professional Portfolio ManagementFootnote7
- Retirement PlanningFootnote8
- Trust AccountsFootnote9
- Alternative InvestmentsFootnote10
- Philanthropic ManagementFootnote11
- Cash Management and Lending ProductsFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Optimal Client Experience
The Kwon Gallup Ford Group at Morgan Stanley is a Peoria-based wealth management team At Morgan Stanley, there is a simple rule: Do what is right for the client. In striving to live up to this standard, we establish productive, long-term relationships with our clients based on authenticity and full-transparency. We takes the time to get to know our clients personally so we can completely understand the broad scope of their financial picture.
serving a select number of individuals, families, and businesses, and Fortune 500 senior executives. Our mission is to organize and simplify the complicated and busy financial lives of our clients. Our commitment to this mission is demonstrated through three core principles:
We utilize a holistic approach that includes:
- A values-based discovery process that helps us understand your goals and what truly matters.
- A Interactive wealth management process that provides “visual answers” and a clear path to goal achievement.
- Educating clients to help simplify complex issues, which can help clients avoid common mistakes
Our capabilities allow us to:
- Use our teamwork to maintain client focus and allows for a rational, forward-looking perspective.
- Put ourselves in our clients’ shoes and work with their accountant and attorney to fully integrate their plan.
- To bring world-class resources to bear for clients with a local, personalized feel.
Our personal attention philosophy:
- We work with a select number of clients to ensure accessibility and responsiveness.
- Ongoing communication based on timely, relevant information that is easy to act upon and helps clients stay on track.
- Consistency and a client-centric, dedicated staff help create a caring, comfortable environment.
serving a select number of individuals, families, and businesses, and Fortune 500 senior executives. Our mission is to organize and simplify the complicated and busy financial lives of our clients. Our commitment to this mission is demonstrated through three core principles:
We utilize a holistic approach that includes:
- A values-based discovery process that helps us understand your goals and what truly matters.
- A Interactive wealth management process that provides “visual answers” and a clear path to goal achievement.
- Educating clients to help simplify complex issues, which can help clients avoid common mistakes
Our capabilities allow us to:
- Use our teamwork to maintain client focus and allows for a rational, forward-looking perspective.
- Put ourselves in our clients’ shoes and work with their accountant and attorney to fully integrate their plan.
- To bring world-class resources to bear for clients with a local, personalized feel.
Our personal attention philosophy:
- We work with a select number of clients to ensure accessibility and responsiveness.
- Ongoing communication based on timely, relevant information that is easy to act upon and helps clients stay on track.
- Consistency and a client-centric, dedicated staff help create a caring, comfortable environment.
Discovery
- Determine your goals, wants and needs
- Listen to your values and beliefs and see how they affect your decision-making
- Identify any challenges that will need to be addressed
- Understand your risk tolerance and time horizon
- Learn about your personal and professional interests
- Listen to your values and beliefs and see how they affect your decision-making
- Identify any challenges that will need to be addressed
- Understand your risk tolerance and time horizon
- Learn about your personal and professional interests
Evaluation
- Analyze your current financial plan
- Determine the likelihood of achieving your goals
- Address potential shortcomings with your current plan
- Determine the likelihood of achieving your goals
- Address potential shortcomings with your current plan
Personalization
- Create a customized financial plan tailored specifically to your goals
- Implement precise strategies that will help you achieve your goals
- Discuss any costs/fees that are associated with your plan
- Implement precise strategies that will help you achieve your goals
- Discuss any costs/fees that are associated with your plan
Execution
- Implement your investment strategy (with your approval)
- Initiate timelines and prioritize activities when necessary
- Incorporate Morgan Stanley’s industry-leading wealth management tools into your plan
- Initiate timelines and prioritize activities when necessary
- Incorporate Morgan Stanley’s industry-leading wealth management tools into your plan
Ongoing Communication
- Track and review performance with you
- Employ due diligence when evaluating performance of your plan
- Connect with you regardless of market conditions and/or financial status
- Employ due diligence when evaluating performance of your plan
- Connect with you regardless of market conditions and/or financial status
Regular Reviews
- Plan is always “work in progress” because your life is constantly evolving
- Meet regularly to review any major changes in your life
- Evaluate overall progress towards your long-term goals
- Adapt plan when appropriate
- Meet regularly to review any major changes in your life
- Evaluate overall progress towards your long-term goals
- Adapt plan when appropriate
MEDIA AND RESEARCH
Here at Morgan Stanley, we strive to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Tax Management Services
A wealth management tax services strategy designed to help keep more of your returns with a tax-managed investment portfolio.
Learn More HereUnderstanding Private Credit
Private credit, which can offer floating interest rates that increase in tandem with benchmark rates, has seen significant growth in recent years and could become a $2.8 trillion market by 2028. See how.
Learn More HereReconsidering Money Market Funds as the Fed Cuts Rates
How Fed rate cuts can affect your money market returns and what you should consider next.
Learn More HereDigital Tools
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
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.
Learn More About MSO
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Spending and Budgeting Tool
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll in eDelivery
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth ViewHelpful Resources
Financial education can lead to better insights into our investment strategy and discipline, and better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
Thoughts on the Market
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
Listen to the latest episode now
Tax Smart Portfolio
When investing Morgan Stanley knows that our clients want to keep as much as they can of what they earn. That's why we want to help our clients with helping them make a tax-smart portfolio.
Learn what a tax smart portfolio looks like
Retirement Planning
Planning for retirement is something that can never be done too soon. Here are six simple steps to help you determine whether you are on track to meet your retirement needs.
Are you on track to meet your retirement goals?
Financial Literacy
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. Here at Morgan Stanley, we want to help our clients and their families, reach their financial goals. Knowing the steps to take to improve your financial situation, or even stay on track with your current plan, can help set up your family for financial success for generations.
See what financial literacy can mean for you and your familyLocation
211 Fulton St
Ste 500A
Peoria, IL 61602
US
Direct:
(309) 671-2803(309) 671-2803
Toll-Free:
(800) 527-3579(800) 527-3579
Meet The Kwon Gallup Ford Group
Bill Kwon
Senior Vice President, Financial Advisor
Phone:
(309) 671-2803(309) 671-2803
Phone:
(309) 671-2803(309) 671-2803
Lisa Passwater
Senior Registered Client Service Associate
Phone:
(309) 671-2808(309) 671-2808
Sheryl Pullium
Senior Client Service Associate
Phone:
(309) 671-2833(309) 671-2833
About Loren Gallup
1994: Bradley University Bachelor degree - Business Administration
2005: Certified Financial Planner
2008: Certified Investment Management Analyst
Loren Gallup is a Senior Vice President and a Financial Advisor with Morgan Stanley. He is responsible for investments and wealth management for High Net Worth Clients. He attended Bradley University’s Foster School of Business and graduated with a Bachelors of Science in Business Administration.
Loren is a Certified Financial Planner™ (CFP®) practitioner. In addition, he has received his Certified Investment Management AnalystSM (CIMA®) Certification from the Wharton School of Business.
Prior to joining Morgan Stanley, Loren worked for Land of Lakes in several Management positions as he prepared to help run their four generation farm near Edelstein.
Loren and his wife, Jenni, live near Edelstein. They have four children, Abby, Alex, Alyssa, and AJ.
2005: Certified Financial Planner
2008: Certified Investment Management Analyst
Loren Gallup is a Senior Vice President and a Financial Advisor with Morgan Stanley. He is responsible for investments and wealth management for High Net Worth Clients. He attended Bradley University’s Foster School of Business and graduated with a Bachelors of Science in Business Administration.
Loren is a Certified Financial Planner™ (CFP®) practitioner. In addition, he has received his Certified Investment Management AnalystSM (CIMA®) Certification from the Wharton School of Business.
Prior to joining Morgan Stanley, Loren worked for Land of Lakes in several Management positions as he prepared to help run their four generation farm near Edelstein.
Loren and his wife, Jenni, live near Edelstein. They have four children, Abby, Alex, Alyssa, and AJ.
Securities Agent: NV, AR, NY, FL, AZ, AL, WI, RI, ME, IA, KY, VT, TX, NH, MN, MA, IL, CA, WV, SD, CT, WA, TN, OH, NJ, NC, MT, MD, CO, UT, SC, PA, OR, MO, MI, KS, IN, GA, VA, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2101293
NMLS#: 2101293
About Bill Kwon
1992: University of Illinois Bachelor degree - Business Administration
2015: Harvard Business School - Boston - Graduate Program for Leadership Development
Bill Kwon is a Senior Vice President and a Financial Advisor with Morgan Stanley’s Wealth Management Division. He is responsible for investments and retirement planning for High Net Worth Clients and Small Businesses. He graduated and is an alumni of Harvard Business School’s Graduate Program for Leadership Development in Boston, MA. and the University Of Illinois School Of Business, with a Bachelor of Science in Marketing and Business Administration in Champaign, IL.
Bill teaches retirement planning and strategy at Bradley University at the Osher Lifelong Learning Institute (OLLI) and the University of South Florida’s Lifelong Learning Academy. He has taught senior level marketing in the School of Business Administration at Bradley University's Foster College of Business as an Adjunct Professor.
He is a multiple Morgan Stanley Director's Club member, President’s Club member and National Sales Director Award Recipient, and has received the highly selective International Wealth Advisor Designation with his firm. Bill frequently travels to speak to and educate other Morgan Stanley Financial Advisors across the country on topics of client development and financial planning excellence.
Bill worked with MCI Communications previously where he ranked in the top 3 representatives in the Business Markets Division nationally during his tenure. He has contributed financial articles for numerous periodicals, including Peoria Metropolitan Magazine and has served as financial editor for Illinois and Indiana Agri-News.
Bill currently serves as Harvard Business School’s Global Alumni Ambassador for Executive Education in the Midwest Region, and has also served as an Executive Professional Coach at Harvard Business School. He served on the Peoria Chamber of Commerce's Board of Directors. He had served as chairman of the Marketing Committee for the Chamber of Commerce and as the chairman of the Chamber’s Ambassador Group, where he served for 4 years. He is currently a Board Member with the Heart of Illinois United Way and chairs the Tocqueville Society. He served as a board member of Lakeview Museum and was Development Chairman for 2002-2004 during the implementation of the downtown Riverfront Museum Project at the old Sears block location. He has served on the Peoria High Alumni Association. He currently is President and Co-Founder of ProPeoria. He enjoys Ice Hockey and volunteering with organizations such as Children’s Home of Central Illinois, Hult Center for Healthy Living, and Richwood’s Community Church.
Bill and his wife Catherine and their four children, sons Liam and Peter, and twin girls, Halleigh and Hannah live in Peoria and have been Central Illinoisans for over 30 years.
2015: Harvard Business School - Boston - Graduate Program for Leadership Development
Bill Kwon is a Senior Vice President and a Financial Advisor with Morgan Stanley’s Wealth Management Division. He is responsible for investments and retirement planning for High Net Worth Clients and Small Businesses. He graduated and is an alumni of Harvard Business School’s Graduate Program for Leadership Development in Boston, MA. and the University Of Illinois School Of Business, with a Bachelor of Science in Marketing and Business Administration in Champaign, IL.
Bill teaches retirement planning and strategy at Bradley University at the Osher Lifelong Learning Institute (OLLI) and the University of South Florida’s Lifelong Learning Academy. He has taught senior level marketing in the School of Business Administration at Bradley University's Foster College of Business as an Adjunct Professor.
He is a multiple Morgan Stanley Director's Club member, President’s Club member and National Sales Director Award Recipient, and has received the highly selective International Wealth Advisor Designation with his firm. Bill frequently travels to speak to and educate other Morgan Stanley Financial Advisors across the country on topics of client development and financial planning excellence.
Bill worked with MCI Communications previously where he ranked in the top 3 representatives in the Business Markets Division nationally during his tenure. He has contributed financial articles for numerous periodicals, including Peoria Metropolitan Magazine and has served as financial editor for Illinois and Indiana Agri-News.
Bill currently serves as Harvard Business School’s Global Alumni Ambassador for Executive Education in the Midwest Region, and has also served as an Executive Professional Coach at Harvard Business School. He served on the Peoria Chamber of Commerce's Board of Directors. He had served as chairman of the Marketing Committee for the Chamber of Commerce and as the chairman of the Chamber’s Ambassador Group, where he served for 4 years. He is currently a Board Member with the Heart of Illinois United Way and chairs the Tocqueville Society. He served as a board member of Lakeview Museum and was Development Chairman for 2002-2004 during the implementation of the downtown Riverfront Museum Project at the old Sears block location. He has served on the Peoria High Alumni Association. He currently is President and Co-Founder of ProPeoria. He enjoys Ice Hockey and volunteering with organizations such as Children’s Home of Central Illinois, Hult Center for Healthy Living, and Richwood’s Community Church.
Bill and his wife Catherine and their four children, sons Liam and Peter, and twin girls, Halleigh and Hannah live in Peoria and have been Central Illinoisans for over 30 years.
Securities Agent: UT, IA, WI, SC, NJ, OR, NY, NH, NC, MA, PA, MD, DE, AZ, TX, KS, GA, CO, WA, OH, CA, AL, SD, RI, FL, VT, NV, MT, MI, IN, IL, AR, VA, MN, TN, MO, WV, NE, ME, KY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1990410
NMLS#: 1990410
About Jessica Ford
With over 13 years of experience Jessica is a seasoned advisor with a focus in areas of financial planning, estate and wealth transfer strategies, insurance policy reviews and needs analysis, philanthropic and gifting techniques.
Jessica is a graduate of The University of Iowa earning a bachelor’s degree in Finance. (Go Hawks!) and is a Chartered Mutual Fund Counselor®. Jessica was born and raised in Burlington, Iowa. Now she happily resides in Peoria Illinois with her husband Jared, daughters Lyla, Amelia, and Charlotte (Go Tigers!) and their rescue dogs Butterscotch and Boba.
She has a strong sense of community and giving back. For the past 14 years she has raised funds on the annual St. Jude Telethon, a charity close to her heart. Jessica also enjoys serving on the board of the National Organization of Women Business Owners (NAWBO) and is involved annually with the Community Foundation of Central Illinois regarding their Art Partners Grant selection process. She is a proud past Rotarian and Past President of Women in Leadership of Central Illinois. She is a recipient of the 40 under 40 award, 25 Women in Leadership award, Community Leader of the Year award, Career Leader of the Year award, Pioneer Award and Team Builder Award.
Jessica is a graduate of The University of Iowa earning a bachelor’s degree in Finance. (Go Hawks!) and is a Chartered Mutual Fund Counselor®. Jessica was born and raised in Burlington, Iowa. Now she happily resides in Peoria Illinois with her husband Jared, daughters Lyla, Amelia, and Charlotte (Go Tigers!) and their rescue dogs Butterscotch and Boba.
She has a strong sense of community and giving back. For the past 14 years she has raised funds on the annual St. Jude Telethon, a charity close to her heart. Jessica also enjoys serving on the board of the National Organization of Women Business Owners (NAWBO) and is involved annually with the Community Foundation of Central Illinois regarding their Art Partners Grant selection process. She is a proud past Rotarian and Past President of Women in Leadership of Central Illinois. She is a recipient of the 40 under 40 award, 25 Women in Leadership award, Community Leader of the Year award, Career Leader of the Year award, Pioneer Award and Team Builder Award.
Securities Agent: TX, NH, WA, NY, MO, MN, CO, CA, TN, PA, WY, MT, IL, IA, FL, VA, NC, GA, KS, DC, AL, KY, OH, WI, VT, ME, OR, NV, NJ, MI, MD, IN, CT, AZ, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 2172896
NMLS#: 2172896
About Sheryl Pullium
Sheryl began her career at Morgan Stanley in 2004 as an Operations Associate. In 2006, she was promoted to a Senior Client Service Associate.
Sheryl provides administrative and operational support. She truly cares about her clients and works hard to simplify every aspect of their financial lives. Whether scheduling portfolio review meetings, transferring funds electronically for the purchase of a new home, paying tuition costs for a child or grandchild, or helping register for Morgan Stanley Online, Sheryl strives to provide every client we serve with first class customer care.
Sheryl and her husband Dan live in East Peoria. They are the proud parents of two grown children, four grandchildren and their Aussie, Barron.
In their spare time in the summer months, she and Dan enjoy going to antique car shows, exploring the country back-roads of Illinois, hiking, painting scenes from her explorations, and gardening. In the winter months, Sheryl frequently visits Iowa and Grafton, Illinois to unite her passion for photography with her joy of eagle watching.
Sheryl provides administrative and operational support. She truly cares about her clients and works hard to simplify every aspect of their financial lives. Whether scheduling portfolio review meetings, transferring funds electronically for the purchase of a new home, paying tuition costs for a child or grandchild, or helping register for Morgan Stanley Online, Sheryl strives to provide every client we serve with first class customer care.
Sheryl and her husband Dan live in East Peoria. They are the proud parents of two grown children, four grandchildren and their Aussie, Barron.
In their spare time in the summer months, she and Dan enjoy going to antique car shows, exploring the country back-roads of Illinois, hiking, painting scenes from her explorations, and gardening. In the winter months, Sheryl frequently visits Iowa and Grafton, Illinois to unite her passion for photography with her joy of eagle watching.
Contact Loren Gallup
Contact Bill Kwon
Contact Jessica Ford
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Kimberly Guidone
Private Banker
Carlos Cruz
Planning Associate
About Kimberly Guidone
Kimberly is a Private Banker serving Morgan Stanley Wealth Management offices in Indiana.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kimberly began her career in financial services in 1996 and joined Morgan Stanley in 2016. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as an Investment Relationship Manager with Key Investment Services and a Financial Advisor at Thrivent Financial.
Kimberly is a graduate of Wright State University where she received a Bachelor of Arts degree in Psychology. Outside of the office, Kimberly spends time with her family enjoying hiking, camping, and other outdoor activities.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kimberly began her career in financial services in 1996 and joined Morgan Stanley in 2016. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as an Investment Relationship Manager with Key Investment Services and a Financial Advisor at Thrivent Financial.
Kimberly is a graduate of Wright State University where she received a Bachelor of Arts degree in Psychology. Outside of the office, Kimberly spends time with her family enjoying hiking, camping, and other outdoor activities.
NMLS#: 619678
About Carlos Cruz
Carlos Cruz is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Carlos provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Florida International University and received the Financial Planning Specialist® designation from the College for Financial Planning. Carlos is originally from Miami, FL and currently resides in New York.
He earned his undergraduate degree from Florida International University and received the Financial Planning Specialist® designation from the College for Financial Planning. Carlos is originally from Miami, FL and currently resides in New York.
Wealth Management
Global Investment Office
Portfolio Insights
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
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
Are You Prepared for Tax Day?
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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 Kwon Gallup Ford 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.
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 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.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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.
8When 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.
9Morgan 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.
10Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
11Products 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.
12Morgan 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
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.
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 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.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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.
8When 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.
9Morgan 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.
10Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
11Products 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.
12Morgan 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
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)
