Phone:
(505) 889-2878(505) 889-2878
Turquoise Sky Group at Morgan Stanley
Direct:
(505) 883-6262(505) 883-6262
Toll-Free:
(800) 776-5973(800) 776-5973
Our Mission Statement
Our mission is to craft and monitor personalized and dynamic financial plans, while being a dedicated guide for our clients and their families. Grounded by honesty, integrity, and tailored investment advice, we strive to simplify our clients’ financial landscapes while maintaining the integral trust upon which we are built.
Our Story and Services
As your Financial Advisors, our mission is to help you define and pursue your financial goals with clarity and confidence. We provide access to a comprehensive range of resources tailored to your unique investment style and aspirations.
By working together, we aim to preserve and grow your wealth through thoughtful planning, disciplined execution, and a commitment to your long-term success. You’ll benefit from the expertise of some of the industry’s most respected investment professionals, a premier trading and execution platform, and a broad spectrum of investment opportunities.
We are also proud to share that Michael Daly and Clifford Gramer have been recognized in the 2025 Forbes Best-In-State Wealth Advisors ranking — a reflection of our dedication to excellence and client service.
[Source: Forbes (Awarded April 2025). Data compiled by SHOOK Research LLC based for the period 6/30/23–6/30/24.
By working together, we aim to preserve and grow your wealth through thoughtful planning, disciplined execution, and a commitment to your long-term success. You’ll benefit from the expertise of some of the industry’s most respected investment professionals, a premier trading and execution platform, and a broad spectrum of investment opportunities.
We are also proud to share that Michael Daly and Clifford Gramer have been recognized in the 2025 Forbes Best-In-State Wealth Advisors ranking — a reflection of our dedication to excellence and client service.
[Source: Forbes (Awarded April 2025). Data compiled by SHOOK Research LLC based for the period 6/30/23–6/30/24.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Tailored Process
With dedication and passion, The Turquoise Sky Group is committed to help you and your family reach your financial goals. With highly personalized care, we strive to find the best possible solutions for our individual clients.
Step 1: Understanding You
Our process begins with a detailed conversation that identifies what is truly important to you. During this meeting, we'll ask a series of questions to get an in-depth understanding of your personal, professional and financial situation, as well as your long-term investment goals, time horizon and tolerance for risk.
Step 2: Customizable Plan
From this ongoing dialogue, we'll analyze your current situation and begin to develop comprehensive strategies to help achieve your goals. This analysis will address income and retirement planning, as well as investment and risk management.
Step 3: Plan Implementation
Once you review and approve your plan, we will begin to execute these strategies appropriately. As we work together, we will ensure that you are on track with your portfolio to achieve your financial goals.
Step 4: Ongoing Assessment
We will have ongoing conversations about the management of your investment plan to help ensure your portfolio is properly balanced, and the investment vehicles utilized are performing according to preset benchmarks.
Working With You
From buying a home to rolling over your 401(k) to leaving a lasting legacy, we are here to answer your financial questions and implement the best strategies for your specific goals and circumstances. Here are just some of the questions we help our clients answer every day.
Financial Planning
Life is constantly changing. How do I prepare for a more secure future knowing that certain events – like a divorce or a death in the family – can dramatically impact my plans?
Asset Organization
I have assets spread across multiple organizations and platforms. How do I get organized and simplify my financial life?
Retirement Planning
Have I saved enough for retirement so I can maintain my current lifestyle without worrying I'll run out of money? What is the best way to re-invest my 401(k) when I get ready to leave my company and retire?
Managing Risk
Life's risks can reveal themselves in many ways – from loss of life to loss of health. How do I protect myself and my family from life's unknowns?
Valuable Tools and Resources
Our team is committed to providing you with important information about managing your wealth in today's fast-paced environment. Register for our online platforms and take a look at our latest resources that focuses on insights in the markets.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Total Wealth View
Total Wealth View allows you and your advisor to view a complete financial picture of your investments to identify opportunities or risks across all your accounts. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Thoughts on the Markets Podcast
Listen to detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
GIC On the Markets
The latest edition of "On the Markets," a monthly collection of the most timely research and strategy from Morgan Stanley & Co., Morgan Stanley Wealth Management and external partners.
Personal Finance
Learn how to manage your money wisely and achieve your financial goals with our collection of personal finance articles.
Spending & Budgeting Tool
Track spending habits and manage savings by using Morgan Stanley's Spending & Budgeting Tool. This tool helps advisors monitor client cash flows across both internal and external accounts.
Check here for our latest events and seminars.
- What is Bitcoin?
- How Bitcoin Blockchain works
- Why Bitcoin?
- How to begin thinking about the next chapter of your life
- What risks might be standing between you and your retirement
- How to develop a retirement strategy that helps you achieve your goals
- Why it's important to talk about long-term care
- The cost of long-term care
- Your options for paying for long-term care
- Strategies for long-term care planning
Upcoming Event
Tax Efficient Planning Strategies
Join us for an informative seminar where you'll learn why tax-efficient investing is important and how Morgan Stanley's full spectrum of tax-smart products and solutions may help you keep more of what you earn.
Thursday, March 6, 2025
12:00-12:45 MST
RSVP: Patricia Yara - Financial Advisor
Past Event
Cryptocurrency: Decrypting Digital Assets
This Seminar will cover the history of the Cryptocurrency market, the emergence of regulatory clarity and acceptance and various frameworks to consider valuation and how cryptocurrency may fit into a portfolio
Join us for an informative seminar where you'll learn:
Past Event
Retirement Income Planning
Developing a Strategy for the Retirement You Envision.
You have a unique vision for your retirement. Proper, proactive planning is the first step toward bringing that vision to life.
Join us for an informative, action-oriented seminar that will focus on:
Past Event
Important Topics Fall 2024: Election year Special
The last few years of ups and downs, low rates and global realignments all complicate the question: Where do I put my money?
At this timely seminar, we'll talk about the economy, where it may be headed and which sectors are best positioned to potentially benefit.
Past Event
Planning for Long-Term Care
The Importance of Planning for Long-Term Care
About 70 percent of people over the age of 65 will need long-term care services, and these services may be costly. Are you financially prepared for the cost of long-term care if you should need it? Planning for long-term care now can help give you more choices and more control over how and where you receive care.
Join us for an informative Zoom webinar that will help you develop a thorough understanding of:
Past Event
EmpowerHER: Women & Wealth
True wealth is about more than just your money. It's about your life and the things you value most as well as the relationships, interests and goals that bring you joy. Putting all of these elements at the heart of your long-term wealth management strategy helps ensure that you achieve the financial future you envision.
Join us for an informative seminar designed to help you identify and prioritize your objectives, and then begin to build a personalized plan that helps maximize your probability of achieving the goals you have for yourself and your loved ones, however life unfolds.
Past Event
Managing Your Life & Money
As you progress through the phases of your life, you will have different financial needs at different times. Empowering yourself with financial knowledge will help give you the confidence to successfully manage your money as your priorities and goals change.
Join us for an informative seminar where you'll learn how to navigate important financial decisions related to major life milestones, from Long Term Care to Estate/Trust Planning.
Location
6565 Americas Pkwy NE
Ste 400
Albuquerque, NM 87110
US
Direct:
(505) 883-6262(505) 883-6262
Toll-Free:
(800) 776-5973(800) 776-5973
Meet Turquoise Sky Group
Phone:
(505) 889-2879(505) 889-2879
Phone:
(505) 889-2863(505) 889-2863
Phone:
(505) 889-2883(505) 889-2883
Melanie O'Callaghan
Senior Registered Associate
Phone:
(505) 889-2869(505) 889-2869
Julian Gurule
Registered Client Service Associate
Phone:
(505) 889-2891(505) 889-2891
Katherine Woods
Portfolio Associate
Phone:
(505) 889-2815(505) 889-2815
About Clifford Anders Gramer
Clifford is a Financial Advisor at The Turquoise Sky Group at Morgan Stanley, a highly skilled wealth management practice located in Albuquerque, New Mexico. His goal is to provide personalized advice to help you make informed decisions about the wealth you've worked so hard to achieve.
Growing up in Santa Fe and Albuquerque, Cliff earned his B.A. in Finance and his M.B.A in International Finance at the University of New Mexico. He has been at Morgan Stanley for 17 years. Cliff has held his CFP designation since 2014, and has been named to Forbes 2023 & 2024 Best-In-State Wealth Advisors and Forbes 2022 Top Next-Gen Wealth Advisors.
Cliff resides in Albuquerque, New Mexico, with his wife, Carly, and their two children, Layla and Ari. In his free time, Cliff enjoys spending time with family, and playing golf and soccer.
Forbes America's Top Wealth Advisors Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Forbes America's Top Wealth Advisors Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
Growing up in Santa Fe and Albuquerque, Cliff earned his B.A. in Finance and his M.B.A in International Finance at the University of New Mexico. He has been at Morgan Stanley for 17 years. Cliff has held his CFP designation since 2014, and has been named to Forbes 2023 & 2024 Best-In-State Wealth Advisors and Forbes 2022 Top Next-Gen Wealth Advisors.
Cliff resides in Albuquerque, New Mexico, with his wife, Carly, and their two children, Layla and Ari. In his free time, Cliff enjoys spending time with family, and playing golf and soccer.
Forbes America's Top Wealth Advisors Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Forbes America's Top Wealth Advisors Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
Securities Agent: TX, CO, TN, SC, OH, NJ, MO, MI, LA, KY, UT, NC, MT, MS, ID, GA, CA, AL, WA, PA, NM, KS, IL, AK, WI, RI, OR, NY, MD, MA, IN, VA, OK, IA, NV, FL, MN, AZ, WY, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1297763
NMLS#: 1297763
About Michael Daly
Michael Daly is a Financial Advisor, Certified Financial Planner (CFP®), Chartered Advisor in Philanthropy, Portfolio Management Director, and Family Wealth Advisor based in Albuquerque, NM. He was named a 2022 and 2023 Forbes Top Advisor in New Mexico, and was a member of the Director’s Club and President’s Club at Morgan Stanley.
Michael joined Dean Witter in 1995, bringing with him a wealth of experience gained from his previous roles as a public accountant, regional information systems director, and business system analyst.
Michael was born in Waterbury, CT, and raised in Rockville CT. He earned his B.S. in Business and Accounting from the University of Connecticut in 1984, and completed postgraduate work at the University of Arizona from 1987-1988. With over 30 years of experience in the financial industry, Michael has helped numerous clients pursue their financial goals and help preserve their wealth for future generations.
Michael has had vast experience from the highs of the late 1990’s through significant and historical changes in the markets/economy. Personal and professional experience has shown him every aspect of financial planning, goals, needs and priorities for individuals and appropriate strategic investing for institutions. He has found that “it is not the analysis of markets and choices in securities that has ultimately helped clients. It is the empathetic, active listening to clients, their unique requirements and dreams.”
In addition to his professional achievements, Michael is also a dedicated husband and father. He has been married to his wife Linley for 30 years, and they have three children, Lauren, Ryan and Maya. Outside of work Michael enjoys working out aerobically, weight training, playing golf, and loves to travel. He was the board member at several organizations, including the American Red Cross, President New Mexico museum of History and Art Foundation, Animal Humane Society, and the National Dance Institute. He was also a University of Connecticut student mentor.
Michael is a lifelong learner and has studied mandarin at a moderate level. He has even done several market updates on the radio, sharing his insights and knowledge with a wider audience. His dedication to his clients and his community is a reflection of his personal values of integrity, generosity, and accountability.
Disclosure:
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Michael joined Dean Witter in 1995, bringing with him a wealth of experience gained from his previous roles as a public accountant, regional information systems director, and business system analyst.
Michael was born in Waterbury, CT, and raised in Rockville CT. He earned his B.S. in Business and Accounting from the University of Connecticut in 1984, and completed postgraduate work at the University of Arizona from 1987-1988. With over 30 years of experience in the financial industry, Michael has helped numerous clients pursue their financial goals and help preserve their wealth for future generations.
Michael has had vast experience from the highs of the late 1990’s through significant and historical changes in the markets/economy. Personal and professional experience has shown him every aspect of financial planning, goals, needs and priorities for individuals and appropriate strategic investing for institutions. He has found that “it is not the analysis of markets and choices in securities that has ultimately helped clients. It is the empathetic, active listening to clients, their unique requirements and dreams.”
In addition to his professional achievements, Michael is also a dedicated husband and father. He has been married to his wife Linley for 30 years, and they have three children, Lauren, Ryan and Maya. Outside of work Michael enjoys working out aerobically, weight training, playing golf, and loves to travel. He was the board member at several organizations, including the American Red Cross, President New Mexico museum of History and Art Foundation, Animal Humane Society, and the National Dance Institute. He was also a University of Connecticut student mentor.
Michael is a lifelong learner and has studied mandarin at a moderate level. He has even done several market updates on the radio, sharing his insights and knowledge with a wider audience. His dedication to his clients and his community is a reflection of his personal values of integrity, generosity, and accountability.
Disclosure:
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Securities Agent: HI, WV, RI, OH, NC, WY, IN, FL, CT, SC, NV, NM, MD, LA, KY, IL, MT, AZ, AL, AK, VA, OK, MA, IA, UT, NJ, MN, ID, DC, WI, TX, NY, MS, MO, GA, PA, NE, CA, WA, TN, ND, MI, CO, OR, KS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1364379
NMLS#: 1364379
About Bruce Seligman
Securities Agent: MA, LA, IN, ID, FL, NY, MN, KS, AZ, WI, SC, PA, MI, GA, AR, OK, KY, IL, CO, HI, CT, IA, CA, VA, UT, OR, NC, MT, MS, AK, TX, TN, RI, AL, WY, WA, OH, NV, NM, MO, MD; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1298026
NMLS#: 1298026
About Christopher Shibley
Chris is a Financial Advisor at Turquoise Sky Group, a highly skilled wealth management practice located in Albuquerque. He is dedicated to helping clients achieve their goals and milestones. He believes successful people all share a common bond: They encounter important life events that require timely guidance to help them make the right financial decisions. He is there to help them each step of the way.
Growing up in Ohio, Chris earned his B.S. degree in Business from Miami University of Ohio. While there, he took an internship at Scottrade that led to a full-time job after graduation. Within a year, he was selected to be a traveling broker, visiting branches across the country. This experience led Chris to Morgan Stanley in 2012. In 2014, he had the opportunity to move to Albuquerque to take on the role of Complex Risk Officer, for the Mountain States Complex. He joined Turquoise Sky Group in 2021. Chris has been an invaluable member of the team ever since. Chris’s areas of concentration include financial planning, option strategies, wealth management and mastering Morgan Stanley’s state-of-the-art digital platforms. His approachable style helps clients make well-informed decisions, while maintaining the discipline necessary in an effort to navigate today’s challenging markets.
Throughout his career, Chris has remained committed to professional development. He maintains his FINRA Series 3, 4, 24, 7, 53 and 66 licenses. In 2019 and 2020, he was named a “PaceSetter” at Morgan Stanley.
Outside the office, Chris loves to hike, ski and mountain bike. He also believes in giving back, volunteering at the Roadrunner Food Bank.
Growing up in Ohio, Chris earned his B.S. degree in Business from Miami University of Ohio. While there, he took an internship at Scottrade that led to a full-time job after graduation. Within a year, he was selected to be a traveling broker, visiting branches across the country. This experience led Chris to Morgan Stanley in 2012. In 2014, he had the opportunity to move to Albuquerque to take on the role of Complex Risk Officer, for the Mountain States Complex. He joined Turquoise Sky Group in 2021. Chris has been an invaluable member of the team ever since. Chris’s areas of concentration include financial planning, option strategies, wealth management and mastering Morgan Stanley’s state-of-the-art digital platforms. His approachable style helps clients make well-informed decisions, while maintaining the discipline necessary in an effort to navigate today’s challenging markets.
Throughout his career, Chris has remained committed to professional development. He maintains his FINRA Series 3, 4, 24, 7, 53 and 66 licenses. In 2019 and 2020, he was named a “PaceSetter” at Morgan Stanley.
Outside the office, Chris loves to hike, ski and mountain bike. He also believes in giving back, volunteering at the Roadrunner Food Bank.
Securities Agent: TN, MS, MO, MT, WI, SC, OK, AZ, AK, WY, VT, PA, MI, IN, NM, CT, AL, TX, LA, CA, AR, UT, OR, NY, NC, MN, IL, CO, WA, VA, SD, MA, HI, GA, KS, ID, IA, FL, OH, NV, MD, KY; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2576997
CA Insurance License #: 0M75047
NMLS#: 2576997
CA Insurance License #: 0M75047
About Patricia Yara
Patricia Yara (Patti) is a Financial Advisor with over 11 years in the Finance industry. Concentrating in Risk Management, Patti works to navigate the terrain of finance with precision. With a strategic planning approach, she helps guide clients toward financial success. As a born-and-raised New Mexican she has a heart for community and is an advocate for diversity & inclusion with a dedication to the financial empowerment of women.
Beyond her professional life she is a dedicated mother of two that invests her free time to youth sports and development, aligning with her passion for fitness. Patti is not only shaping financial futures but is also promoting holistic wellbeing and a balanced life.
Beyond her professional life she is a dedicated mother of two that invests her free time to youth sports and development, aligning with her passion for fitness. Patti is not only shaping financial futures but is also promoting holistic wellbeing and a balanced life.
Securities Agent: AZ, VA, NC, MN, MA, WI, PA, NM, MS, MD, KY, FL, AR, MI, LA, IN, DC, CT, WV, NH, KS, PR, OH, NV, IA, AK, WY, UT, ME, IL, ID, WA, TN, RI, ND, MO, CA, SD, MT, CO, OR, OK, NE, GA, AL, VT, TX, SC, NY, NJ, HI, DE; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 2551774
NMLS#: 2551774
About Melanie O'Callaghan
Melanie is a highly accomplished professional with a strong background in marketing and finance. She holds a BBA degree in marketing from the University of New Mexico and an MBA from the University of Phoenix. In addition to her academic achievements, Melanie also possesses Series 7 and 66 licenses, demonstrating her expertise in the financial industry.
Originally from Albuquerque, New Mexico, Melanie moved to Phoenix, Arizona after completing her bachelor's degree. There, she gained valuable experience working as an Internal Auditor for the state of Arizona and conducting market research for real estate developers. After six years, Melanie decided to return to her hometown of Albuquerque to be closer to her family. She dedicated 13 years to working in the family business, honing her skills and contributing to its success.
In 2006, Melanie joined Morgan Stanley, where she currently serves as a valued member of the team. Her extensive knowledge and experience in finance have been instrumental in her role, allowing her to provide sound advice to clients and help them achieve their financial goals. Outside of her professional life, Melanie enjoys various activities during her free time. She finds solace in long dog walks, indulges in cooking, explores nature through hiking, and finds joy in reading. Above all, she cherishes spending quality time with her loved ones, prioritizing family and friends. Melanie's diverse experiences, educational background, and passion for both finance and personal connections make her a well-rounded and exceptional individual in her field.
Originally from Albuquerque, New Mexico, Melanie moved to Phoenix, Arizona after completing her bachelor's degree. There, she gained valuable experience working as an Internal Auditor for the state of Arizona and conducting market research for real estate developers. After six years, Melanie decided to return to her hometown of Albuquerque to be closer to her family. She dedicated 13 years to working in the family business, honing her skills and contributing to its success.
In 2006, Melanie joined Morgan Stanley, where she currently serves as a valued member of the team. Her extensive knowledge and experience in finance have been instrumental in her role, allowing her to provide sound advice to clients and help them achieve their financial goals. Outside of her professional life, Melanie enjoys various activities during her free time. She finds solace in long dog walks, indulges in cooking, explores nature through hiking, and finds joy in reading. Above all, she cherishes spending quality time with her loved ones, prioritizing family and friends. Melanie's diverse experiences, educational background, and passion for both finance and personal connections make her a well-rounded and exceptional individual in her field.
About Julian Gurule
Julian is a driven and accomplished individual who is currently pursuing a BBA Business Administration degree at the University of New Mexico. Originally hailing from the small town of Penasco in Northern New Mexico, Julian now resides in Albuquerque, where he is actively involved in both his community and professional endeavors.
Julian's professional journey has been diverse and impressive. He spent six years as a General Manager for Aaron's Inc., where he demonstrated exceptional leadership skills and contributed to the company's success. Subsequently, he worked as an Insurance Producer for Allstate for two years, utilizing his knowledge and experience to provide valuable insurance solutions to clients. Julian then transitioned to a role as a Support Professional for LPL Financial, where he further honed his financial skills and assisted clients in achieving their financial goals. In July of 2023, Julian joined the esteemed team at Morgan Stanley, where he continues to make a significant impact.
Outside of his professional pursuits, Julian finds solace and fulfillment in various activities. He cherishes spending time outdoors, engaging in activities such as hunting, fishing, and camping. Working on his father's ranch is another passion that allows him to connect with nature and embrace his roots. Julian values physical fitness and makes it a priority by regularly attending the gym. Recently, he has developed a keen interest in smoking BBQ and playing golf, enjoying these new hobbies as a way to unwind and explore new experiences. Julian's bilingual abilities in both Spanish and English are a valuable asset, allowing him to connect with and serve a diverse range of clients. He takes great pride in his cultural heritage and is actively involved in the Hispano Chamber of Commerce, contributing to the advancement of his community. Family is also an important aspect of Julian's life, and he is a proud uncle to two nephews and a niece. Their presence brings him joy and reminds him of the importance of love and support within the family unit. Julian's passion for his work, dedication to his community, and zest for life make him a remarkable individual. His commitment to personal growth and his ability to connect with others are qualities that set him apart in both his personal and professional life.
Julian's professional journey has been diverse and impressive. He spent six years as a General Manager for Aaron's Inc., where he demonstrated exceptional leadership skills and contributed to the company's success. Subsequently, he worked as an Insurance Producer for Allstate for two years, utilizing his knowledge and experience to provide valuable insurance solutions to clients. Julian then transitioned to a role as a Support Professional for LPL Financial, where he further honed his financial skills and assisted clients in achieving their financial goals. In July of 2023, Julian joined the esteemed team at Morgan Stanley, where he continues to make a significant impact.
Outside of his professional pursuits, Julian finds solace and fulfillment in various activities. He cherishes spending time outdoors, engaging in activities such as hunting, fishing, and camping. Working on his father's ranch is another passion that allows him to connect with nature and embrace his roots. Julian values physical fitness and makes it a priority by regularly attending the gym. Recently, he has developed a keen interest in smoking BBQ and playing golf, enjoying these new hobbies as a way to unwind and explore new experiences. Julian's bilingual abilities in both Spanish and English are a valuable asset, allowing him to connect with and serve a diverse range of clients. He takes great pride in his cultural heritage and is actively involved in the Hispano Chamber of Commerce, contributing to the advancement of his community. Family is also an important aspect of Julian's life, and he is a proud uncle to two nephews and a niece. Their presence brings him joy and reminds him of the importance of love and support within the family unit. Julian's passion for his work, dedication to his community, and zest for life make him a remarkable individual. His commitment to personal growth and his ability to connect with others are qualities that set him apart in both his personal and professional life.
About Katherine Woods
Katherine Woods is a Portfolio Associate with 30 years’ experience in the financial services industry, (28 years with Morgan Stanley). Katherine has held various positions with the firm and maintains her FINRA Series 31, 63, 65, 7 licenses. She graduated from the University of New Mexico with a BA in Economics and is currently continuing her professional development in financial planning.
As a senior member of the service team, her extensive background in the industry has been instrumental in her role, allowing her to provide thoughtful direction and advice to both her team and clients. She is a highly accomplished professional with a strong background in client service and team management. Her professional interests include the education and empowerment of women and senior investors.
Katherine enjoys spending time with her husband and kids as well as her pack of long haired dachshunds and parrots, learning the Cello, swimming and bird watching.
As a senior member of the service team, her extensive background in the industry has been instrumental in her role, allowing her to provide thoughtful direction and advice to both her team and clients. She is a highly accomplished professional with a strong background in client service and team management. Her professional interests include the education and empowerment of women and senior investors.
Katherine enjoys spending time with her husband and kids as well as her pack of long haired dachshunds and parrots, learning the Cello, swimming and bird watching.
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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 Turquoise Sky 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.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
4When 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Alternative 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.
7Morgan 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.
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.
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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
4When 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Alternative 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.
7Morgan 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.
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.
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)
