Karen Varnhagen - Morgan Stanley Smith Barney Financial Advisor - San Francisco, CA
Morgan Stanley Smith Barney
Karen Varnhagen
Senior Vice President
Financial Advisor
One Sansome Street
38th Floor
San Francisco, CA 94104
tel: (415) 984-6763
toll-free: (800) 289-9060 
fax: (415) 984-6596
Email Me

The focus of my practice is to help individuals through retirement and/or legacy transition. Current economic conditions require experience, objectivity and evaluation to help in the coordination of one’s financial assets. I will develop a plan that will preserve and grow your wealth.  If you are looking for an advisor to  help you deal with the multidimensional aspect of your family’s monetary affairs, let’s set a time to meet and discuss how best I can help you meet your financial goals.

Education: B.A. - International Relations,
Economics minor, 1982
University of California, Davis
Davis, CA

Associations
  • San Francisco Office Board of Directors
  • Member USTA
Services
  • Wealth Management
  • Retirement Planning
  • Estate Planning
  • Socially Responsible Investing
  • Asset Management
  • Qualified Plans
  • Philanthropic Services
Education and Licensing
  • B.S. - Economics, 1982
    University of California, Davis
    Davis, CA
  • Series 3 - National Commodity Futures, 1983
  • Series 7 - General Securities Representative, 1983
  • Series 63 - Uniform State Exam, 2006
  • Life and Variable Annuity Insurance Licensed, 1983
  • Series 65 Investment Advisor
Business Experience
  • 2006 - Present: Morgan Stanley Smith Barney

    Senior Vice President
  • 1983 - 2006: Morgan Stanley

    Senior Vice President - Wealth Management

Bulletin Board

  • I am very appreciative when existing clients refer friends, family, and business associates for an exploratory meeting. I will do my utmost to meet your highest expectations.

  • Are you ready for retirement? We think of retirement as part of the bigger picture- your life. Whatever you have in mind, the ideal is to have the flexibility to make choices based on what you want to do, not what you have to do. Using the phone number above, call to develop a plan for achieving the retirement you envision.

  • In retirement, the amount of income you’ll need in order to live comfortably may be more than you think. To help make sure you’ll be able to sustain the retirement lifestyle you envision and are comfortable with your plan, call or email for a Personal Wealth Audit.

Karen Varnhagen is licensed in the following state(s): AZ, CA, CO, DC, IA, ID, KS, KY, LA, MI, MT, NV, OR, RI, TN, TX, VA, WA
This 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.
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Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law.  Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.
The securities/instruments, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website do not necessarily reflect those of Morgan Stanley Smith Barney.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP, CERTIFIED FINANCIAL PLANNER and CFP (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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Reserved
Investments alone aren't enough when it comes to preparing for retirement. As a retirement focused advisor at Morgan Stanley Smith Barney we offer a level of experience and commitment to retirement advice that we think is unique in the industry. Our thorough process encompasses ten elements that are key to a successful plan.
Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.
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