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Greer Moseman & Kristin C. Norby, CFP® Kristin Norby, CFP®, and her daughter, Greer Moseman, CRPC®, of The Norby Group at Morgan Stanley, help local families navigate life's transitions. Rooted in Rancho Santa Fe, this mother- daughter team works with women who are building, rebuilding, or facing change, bringing a calm, personal presence to moments that can feel overwhelming. Through name changes, office moves, changing markets and new technology, Kris has remained a steady constant. She raised Greer in the Ranch, and today they serve clients together with the same values that shaped their own family: trust, care and connection. Together, Kris and Greer help parents and grandparents think intentionally about the next generation. To them, legacy is not only what you leave behind, but who you prepare to carry it forward. Proud women of the Ranch, they welcome conversations at their office, coffee at Thyme, or lunch at Paseo. The Norby Group at Morgan Stanley 6041 La Flecha | Rancho Santa Fe 858.613.8187 | norbygrouprsf@morganstanley.com advisor.morganstanley.com/the-norby-group MOTHER-DAUGHTER ADVISORY TEAM Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences. 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. 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. CFP Board owns the marks CFP® CRC5819379 08/26 L to R: Greer Moseman, Financial Advisor, Financial Planning Specialist; Kristin Norby, Financial Advisor, Executive Director @ranchandcoast RANCH & COAST MAGAZINE SEPTEMBER 2026 125