Ranch & Coast Magazine

January 2024

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The Norby Group at Morgan Stanley delivers personalized investment strategies and financial solutions to successful individuals and multi- generational families. Kris Norby and her team leverage decades of experience, a broad scope of knowledge, creative ideas, and Morgan Stanley's industry-leading resources to guide clients in today's markets, with a keen eye on historical movements and trends. Together, they prioritize creating a consistent and reliable relationship - the foundation for a strong financial advisory practice. Kris and her team counsel, coach, and assist clients in achieving their financial goals and needs. Kris is a CERTIFIED FINANCIAL PLANNER™ and Senior Portfolio Management Director. We are committed to client education meaning you will understand the 'why' behind our financial recommendations. Contact us today and let us guide you towards the financial future you envision. Kristin Norby, Senior Vice President & Financial Advisor — e Norby Group at Morgan Stanley 6037 La Flecha, Rancho Santa Fe | 858.613.8187 advisor.morganstanley.com/the-norby-group | kristin.c.norby@morganstanley.com Trust, Hard Work, and Care — What You Deserve in an Advisory Team Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNERTM and federally registered CFP (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements. Morgan Stanley Smith Barney LLC. Member SIPC CRC 6158870 12/23 in excellence 2 0 2 4

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