Phone:
(916) 567-2052(916) 567-2052
The McLoughlin Friedman Group at Morgan Stanley
Direct:
(916) 567-2072(916) 567-2072
Our Mission Statement
We offer a wealth of experience, intellectual capital, and unwavering personal dedication to assist you in achieving your life goals.
Our Story and Services
Navigating the complexities of wealth management can pose significant challenges and raise numerous unanswered questions. Crafting a disciplined investment strategy capable of adapting to evolving conditions often demands the experience of seasoned professionals. Craig and Kimberly serve as guides through the intricate financial landscape, distilling the noise to offer clients invaluable insight and thoughtful counsel.
Our aim is to grow and preserve wealth by actively engaging with clients. We collaborate to design, implement, monitor, and continually refine an investment strategy tailored to each client's unique circumstances, with a keen emphasis on tax efficiency.
As clients encounter changes in their financial landscape—be it the sale of a business, wealth preservation, retirement, estate planning, or other transitions—we pivot their financial strategy accordingly. Regardless of the stage of life you find yourself in—whether excelling in your career, navigating life changes, relishing retirement, or somewhere in between—we stand ready to identify and overcome challenges together.
Our aim is to grow and preserve wealth by actively engaging with clients. We collaborate to design, implement, monitor, and continually refine an investment strategy tailored to each client's unique circumstances, with a keen emphasis on tax efficiency.
As clients encounter changes in their financial landscape—be it the sale of a business, wealth preservation, retirement, estate planning, or other transitions—we pivot their financial strategy accordingly. Regardless of the stage of life you find yourself in—whether excelling in your career, navigating life changes, relishing retirement, or somewhere in between—we stand ready to identify and overcome challenges together.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Financial planning is a fluid process that changes with your stage of life, we expect your goals will vary over the course of our relationship.
Step 1. Collect Information
We collect financial statements and have a thorough discussion to gather information relating to your financial resources, assets, and liabilities, your short and long-term goals, and your thoughts about retirement.
Step 2. Create Goals-Based Plan
We create a plan for you that outlines your goals, reviews assets and liabilities, current and future income, and lists business interests and real estate. The plan will show you whether you are on track to achieve your goals as well as ways to potentially maximize your wealth.
Step 3. Present Detailed Analysis
Our team reviews the detailed plan with you and will offer guidance to maintain or adjust your current financial situation, including specific investment recommendations that are customized to your financial goals.
Step 4. Implement Recommendations & Plan Maintain
Upon reviewing the analysis with you and making a collaborative decision, we implement investment recommendations that are tailored to your needs and risk tolerance. We meet with our clients on a regular basis to monitor and update your plan as your situation evolves over time.
We will work closely together to understand your needs while maintaining the focus and discipline to guide your portfolio through market cycles.
Step 1: Establish Financial Objectives
We will work closely together to understand your needs while maintaining the focus and discipline to guide your portfolio through market cycles.
Step 2: Design an Investment Strategy
We design an investment strategy built to support the financial objectives determined that appropriately diversifies across asset classes and considers current market conditions.
Step 3: Evaluate and Select Investments
Once an overall investment strategy is designed, we construct and implement a customized portfolio for each asset class in the strategy that is intended to strike an overall balance of risk vs. return.
Step 4: Ongoing Review Process
We perform ongoing assessment of your investment performance and make periodic portfolio adjustments as appropriate. We will adapt the strategy to changes in your personal and professional life.
CashPlus
Designed as a modern alternative to banking, providing more value, more protection, and a seamless digital experience. You can benefit from unlimited ATM fee rebates worldwide, complimentary Identity and Credit Protection from Experian®, plus more. You must be a Morgan Stanley client to open an account.
Budgeting and Spending
Put your money to work with our Financial Management Tools. You can 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.
Liquidity Access Line
Liquidity Access Line (LAL) is a securities based loan that offers a range of borrowing options while pledging eligible securities from the client's brokerage account at Morgan Stanley Smith Barney LLC as collateral.
Home Loans / Mortgage
Whether you're buying or refinancing a home, purchasing a vacation or investment property, or helping a family member realize their homeownership goals, let us help you find the best financing solution to meet your needs.
The extensive collection of digital tools from Morgan Stanley has been thoughtfully created to support the improvement of every facet of your investment portfolio. Spend some time learning about some of the various resources we provide to our clients in the area of modern wealth management.
Morgan Stanley Online
Whether it's your daily budget or your assets, Morgan Stanley Online (MSO) and the Morgan Stanley mobile app are always your fingertips away! Use this helpful 24/7 resource to instantly access your accounts and make investments.
Total Wealth View
With Total Wealth View, finish your financial profile. You will get the advantages of easier connectivity and more comprehensive and knowledgeable financial planning by combining the data from your external accounts.
MS Reserved
Rewarding clients with more than $1 million in invested assets and liabilities at the firm is Reserved Living & Giving, a tiered, complimentary loyalty program. More than just typical wealth management services, the program aims to improve your lifestyle and your connection with the firm.
Thoughts On The Market
Join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as they provide their thoughts on the current trends in the financial industry, along with their insights on the forces influencing the market.
Location
400 Capitol Mall
Suite 1900
Sacramento, CA 95814
US
Direct:
(916) 567-2072(916) 567-2072
Meet The McLoughlin Friedman Group
Phone:
(916) 567-2072(916) 567-2072
Holly Walker
Registered Client Service Associate
Phone:
(530) 879-3268(530) 879-3268
About Craig S McLoughlin
Craig McLoughlin has been a Financial Advisor for over 30 years working with individuals, small business owners, corporations and retirement plans. With Craig's wisdom and meticulous nature his area of expertise is working with multigenerational families.
Craig is a graduate of Sacramento State University with a Bachelor of Science in Construction Management and a minor in Business Administration. Before beginning his work as a Financial Advisor, Craig worked as an engineer for Teichert Inc. in Sacramento.
Living in East Sacramento in a home he rebuilt with his spouse, Ruth, Craig takes pleasure in spending time outside being active and spending time with Ruth and their two children, Logan and Lily.
Craig is a graduate of Sacramento State University with a Bachelor of Science in Construction Management and a minor in Business Administration. Before beginning his work as a Financial Advisor, Craig worked as an engineer for Teichert Inc. in Sacramento.
Living in East Sacramento in a home he rebuilt with his spouse, Ruth, Craig takes pleasure in spending time outside being active and spending time with Ruth and their two children, Logan and Lily.
Securities Agent: AL, MA, ID, AR, FL, VA, OR, DC, UT, CO, WA, TX, NC, AZ, NV, MD, SC, NY, CA, ND, MT, HI, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1282812
NMLS#: 1282812
About Kimberly Friedman
Financial advisor Kimberly Friedman, CFP®, has more than ten years of expertise in the financial services sector. She develops and implements tailored, all-inclusive investment plans with her clients in mind, making sure they meet both their present and future financial goals.
At California Polytechnic State University in San Luis Obispo, Kimberly obtained a degree in Psychology. She is a member of the fraternity Chi Omega. In addition to holding her Series 7 and Series 66 registrations, Kimberly is a CERTIFIED FINANCIAL PLANNER™ and maintains her NMLS and California insurance licenses.
Kimberly likes to spend her free time gardening or going on walks outside while she listens to audiobooks or podcasts.
At California Polytechnic State University in San Luis Obispo, Kimberly obtained a degree in Psychology. She is a member of the fraternity Chi Omega. In addition to holding her Series 7 and Series 66 registrations, Kimberly is a CERTIFIED FINANCIAL PLANNER™ and maintains her NMLS and California insurance licenses.
Kimberly likes to spend her free time gardening or going on walks outside while she listens to audiobooks or podcasts.
Securities Agent: WY, NC, CA, NY, MD, HI, VA, FL, WA, GA, AL, UT, CO, TX, SC, NV, MA, OR, ID, DC, AZ, AR, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 1733606
CA Insurance License #: 4089127
NMLS#: 1733606
CA Insurance License #: 4089127
About Holly Walker
Holly Walker is a Registered Client Service Associate at Morgan Stanley. She has served in this role since 2016 and became registered in 2022 after passing the Series 7, Series 66, and SIE exams. Holly utilizes the full and modernized capabilities of Morgan Stanley to engage with clients each and every day and provides an elevated standard of care to enhance the client experience.
Holly grew up in Paradise California before moving to Chico where she met and married her husband Mark in 1985, they have one grown daughter who lives close by. When Holly is not at the office helping clients, she enjoys traveling in her motorhome to Coastal Beaches and National Parks for hiking and biking or to a local casino for a good tribute band.
Holly grew up in Paradise California before moving to Chico where she met and married her husband Mark in 1985, they have one grown daughter who lives close by. When Holly is not at the office helping clients, she enjoys traveling in her motorhome to Coastal Beaches and National Parks for hiking and biking or to a local casino for a good tribute band.
Contact Craig S McLoughlin
Contact Kimberly Friedman
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
Sue Callantine
Private Banker
About Sue Callantine
Sue Callantine is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Sue began her career in financial services in 1997, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, she was a Private Banker at Bank of the West. She also served as a Private Banker at Wells Fargo Bank, N.A. and Bank of America.
Sue is a graduate of the University of Alaska Anchorage, where she received a Bachelor of Business Administration in Management. She lives in Orangevale, California with her husband. Outside of the office, Sue enjoys gardening, reading and traveling. She also serves on the Hope Gala Board of Ambassadors for the American Cancer Society.
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.
Sue began her career in financial services in 1997, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, she was a Private Banker at Bank of the West. She also served as a Private Banker at Wells Fargo Bank, N.A. and Bank of America.
Sue is a graduate of the University of Alaska Anchorage, where she received a Bachelor of Business Administration in Management. She lives in Orangevale, California with her husband. Outside of the office, Sue enjoys gardening, reading and traveling. She also serves on the Hope Gala Board of Ambassadors for the American Cancer Society.
NMLS#: 619891
Wealth Management
From Our Team
You’re Ready for Retirement. Is Your Portfolio?
Wealth Management
Global Investment Office
Portfolio Insights
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.
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
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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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
Ready to start a conversation? Contact The McLoughlin Friedman Group today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences 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.
3When 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.
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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences 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.
3When 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.
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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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)