Victoria Bailey
Managing Director, Private Wealth Management, Private Wealth Advisor
Phone:
(650) 234-5539(650) 234-5539
Morgan Stanley Private Wealth Management
415 Group
Direct:
(415) 576-8934(415) 576-8934
Our Mission Statement
We help highly affluent families protect and enhance their wealth, while supporting the people, causes and institutions that add meaning to their lives.
Welcome
415 Group at Morgan Stanley Private Wealth Management is focused on helping ultra-high net worth clients with sophisticated investing and planning needs. We advise entrepreneurs prior to and after corporate liquidity events, highly successful private equity and venture capital partners, business executives, and multiple generations of families stewarding inherited wealth.
We practice the following core principles:
• Emphasis on trust, estate and charitable planning
• Preserve and thoughtfully grow our clients’ wealth over the long-term
• Intense focus on reducing taxes, costs, and risks
• Align personal values with investment portfolios (including sustainable and impact investing)
415 Group at Morgan Stanley Private Wealth Management is a national practice with partners in San Francisco and Menlo Park and manages approximately $8 billion for approximately 100 families as of December 2023. Our team is proud to be named to the 2022, 2023 and 2024 Barron's Top 100 Private Wealth Management Teams list, to the 2022, 2023 & 2024 Forbes America's Top Wealth Management Teams Private Wealth list, and to the 2023, 2024 & 2025 Forbes Best-In-State Wealth Management Teams. Each partner has also received various Best in State and Top Advisor awards.
We leverage our network of professionals as well as Morgan Stanley’s global resources, intellectual capital, and unparalleled open-architecture platform to create sophisticated solutions to help ensure our clients’ families and their legacies are secure for generations to come.
We recommend a collaborative approach with an advisory team of private wealth managers, attorneys, accountants and other key advisors. Our role is to coordinate for improved decision making and model detailed financial strategies. We believe it provides clients with deep insight into their financial situation, resulting in a comprehensive plan to help manage and simplify their financial lives and have the time to pursue their personal passions.
We practice the following core principles:
• Emphasis on trust, estate and charitable planning
• Preserve and thoughtfully grow our clients’ wealth over the long-term
• Intense focus on reducing taxes, costs, and risks
• Align personal values with investment portfolios (including sustainable and impact investing)
415 Group at Morgan Stanley Private Wealth Management is a national practice with partners in San Francisco and Menlo Park and manages approximately $8 billion for approximately 100 families as of December 2023. Our team is proud to be named to the 2022, 2023 and 2024 Barron's Top 100 Private Wealth Management Teams list, to the 2022, 2023 & 2024 Forbes America's Top Wealth Management Teams Private Wealth list, and to the 2023, 2024 & 2025 Forbes Best-In-State Wealth Management Teams. Each partner has also received various Best in State and Top Advisor awards.
We leverage our network of professionals as well as Morgan Stanley’s global resources, intellectual capital, and unparalleled open-architecture platform to create sophisticated solutions to help ensure our clients’ families and their legacies are secure for generations to come.
We recommend a collaborative approach with an advisory team of private wealth managers, attorneys, accountants and other key advisors. Our role is to coordinate for improved decision making and model detailed financial strategies. We believe it provides clients with deep insight into their financial situation, resulting in a comprehensive plan to help manage and simplify their financial lives and have the time to pursue their personal passions.
Awards Disclosure
- Source: Barrons.com (April 2022 & 2023). Barron's Top 100 Private Wealth Management Teams ranking awarded in 2022 & 2023. Each ranking was determined based on an evaluation process conducted by Barron's which concluded in December of the previous year the award was issued having commenced in December of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. ©2022 Morgan Stanley Smith Barney LLC. Member SIPC
- Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
- Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
- Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24
- Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/2023-6/30/2024
Capabilities
- Comprehensive Wealth Planning
- Pre-Liquidity Planning
- Sustainable & Responsible InvestingFootnote1
- Investment Management
- Philanthropy Management
- Risk Management
- Open-Architecture Platform
- Family Governance & Wealth Education
- 10b5-(1) Programs
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 300 teams1 specialized in assisting individuals and families with $20MM+ in investable assets
- Over $775 billion in AUM1
- Comprising 25% of the Barron’s Top 100 Financial Advisors list for 2023
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, December, 2023
Source: Barron's.com (April 2023) 2023 Barron's Top 100 Financial Advisors awarded in 2023. This ranking was determined based on an evaluation process conducted by Barron's during the period from Dec 2020 - Dec 2021. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Our Clients
We are privileged to serve a highly accomplished group of entrepreneurs, private equity and venture capital partners, corporate leaders and multi-generational families.
We typically start working with company founders while they are still illiquid and have the majority of their capital tied up in their business.
Our average family relationship is over $25 million with many considerably larger. We serve approximately 100 families and advise on assets of $8 billion as of December 2024.
Most of our clients are in the process of building or stewarding substantial legacies. They have tremendous aspirations for their businesses, families and charitable endeavors, and they look to us for sophisticated investment strategies and tax, trust and estate planning to help them reach their goals.
We work to free our clients from the daily tasks of managing their wealth and properly positioning their estates, so they can spend time focusing on the people, passions, and causes that add meaning to their lives.
We typically start working with company founders while they are still illiquid and have the majority of their capital tied up in their business.
Our average family relationship is over $25 million with many considerably larger. We serve approximately 100 families and advise on assets of $8 billion as of December 2024.
Most of our clients are in the process of building or stewarding substantial legacies. They have tremendous aspirations for their businesses, families and charitable endeavors, and they look to us for sophisticated investment strategies and tax, trust and estate planning to help them reach their goals.
We work to free our clients from the daily tasks of managing their wealth and properly positioning their estates, so they can spend time focusing on the people, passions, and causes that add meaning to their lives.
Our Philosophy
We believe in the power of listening and interactive dialogue. Having a complete understanding of our clients, who and what they value, and their goals allows us to bring optimal resources and expertise to the table.
We serve our clients with candor, attention to detail and the highest standards of accessibility, availability and responsiveness. We act as a fiduciary and put our clients’ interests above all else.
We are passionate about serving families who want to leave a legacy and invest in a manner that is aligned with their values. For interested clients, we seek out investments that generate market-rate returns or better while demonstrating positive socially-aligned impact.
We serve our clients with candor, attention to detail and the highest standards of accessibility, availability and responsiveness. We act as a fiduciary and put our clients’ interests above all else.
We are passionate about serving families who want to leave a legacy and invest in a manner that is aligned with their values. For interested clients, we seek out investments that generate market-rate returns or better while demonstrating positive socially-aligned impact.
Location
555 California Street
14th Fl
San Francisco, CA 94104
US
Direct:
(415) 576-8934(415) 576-8934
2725 Sand Hill Road
Ste 100
Menlo Park, CA 94025
US
Meet 415 Group
Will Lyon
Managing Director, Private Wealth Management, Private Wealth Advisor
Phone:
(415) 576-8936(415) 576-8936
Jonathan Usich
Managing Director, Private Wealth Management, Private Wealth Advisor
Phone:
(415) 576-8934(415) 576-8934
Jonathan Harris
Managing Director, Private Wealth Management
Phone:
(415) 576-2183(415) 576-2183
Jennifer Tokioka
Assistant Vice President, PWM Group Director
Phone:
(415) 576-2008(415) 576-2008
Gabby Shaw
Vice President, PWM Business Development Director
Phone:
(415) 576-2272(415) 576-2272
Grey Pendery
PWM Wealth Management Associate
Phone:
(415) 576-3194(415) 576-3194
Ryan Copeland
PWM Registered Client Service Associate
Phone:
(415) 576-3110(415) 576-3110
Alex Nemechek
PWM Wealth Management Associate
Phone:
(415) 576-2012(415) 576-2012
Wonny Mullen
PWM Sr. Client Service Associate
Phone:
(415) 576-2630(415) 576-2630
Zilla Bharmal
PWM Client Service Associate
Phone:
(415) 576-2617(415) 576-2617
Allison Stringer
PWM Sr. Registered Client Service Associate
Phone:
(415) 576-2015(415) 576-2015
About Victoria Bailey
Victoria is an Managing Director, Private Wealth Advisor, with Morgan Stanley’s Private Wealth Management division. She is based in Morgan Stanley’s Silicon Valley office in Menlo Park, California.
In this capacity, Victoria develops customized wealth management plans tailored to the individual needs of families in Northern California, including strategies around investing, credit & lending, banking & liquidity management, and trust & estate planning for entrepreneurs, venture capitalists, private foundations / endowments, and privately controlled companies.
Originally from New Jersey, Victoria earned a B.A. from Princeton University in 2001 and she currently lives in Woodside with her husband and three children.
In this capacity, Victoria develops customized wealth management plans tailored to the individual needs of families in Northern California, including strategies around investing, credit & lending, banking & liquidity management, and trust & estate planning for entrepreneurs, venture capitalists, private foundations / endowments, and privately controlled companies.
Originally from New Jersey, Victoria earned a B.A. from Princeton University in 2001 and she currently lives in Woodside with her husband and three children.
Securities Agent: NC, RI, WI, DC, HI, CA, MI, VA, PR, WY, MT, OH, ID, WA, SC, FL, TN, DE, MD, KS, TX, MA, GA, ME, SD, KY, OR, MN, VT, NM, NV, NJ, UT, IA, CO, NH, NY, PA, CT, IL, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 821940
NMLS#: 821940
About Will Lyon
Drawing on 22 years of experience in the financial services industry, Will’s primary responsibilities include client management, pre-liquidity tax and estate planning strategies, and post-liquidity diversification. Prior to joining Morgan Stanley in 2007, he was at UBS Wealth Management and JPMorgan Private Bank. Earlier in his career, Will worked in investment banking for Thomas Weisel Partners in San Francisco and Chase Securities in New York. Before business school Will was an analyst for Norwest Equity Partners, a private equity firm.
Will received both his B.A. and MBA from the University of Virginia (UVA). He serves on the National Selection Committee for Jefferson Scholars Foundation which selects outstanding students and faculty for prestigious scholarships at UVA. When not working or playing with his children, Will’s hobbies include racquet sports, fly-fishing and skiing. Will and his wife, Paige, have a son and daughter and live in Belvedere, California.
Will received both his B.A. and MBA from the University of Virginia (UVA). He serves on the National Selection Committee for Jefferson Scholars Foundation which selects outstanding students and faculty for prestigious scholarships at UVA. When not working or playing with his children, Will’s hobbies include racquet sports, fly-fishing and skiing. Will and his wife, Paige, have a son and daughter and live in Belvedere, California.
Securities Agent: PR, WY, HI, ID, MT, NH, NM, NV, NY, WI, MN, SC, SD, TX, TN, PA, OR, CO, GA, FL, IL, IA, AZ, CA, WA, VA, OH, NJ, MI, ME, MD, MA, KY, KS, DE, DC, CT, NC, UT, RI; General Securities Representative; Investment Advisor Representative
NMLS#: 1282531
NMLS#: 1282531
About Jonathan Usich
A member of the team since 1997, Jon is responsible for asset allocation, financial planning, portfolio management, client reporting and team operational efficiency. Prior to joining Morgan Stanley Private Wealth Management in 2007, Jon was a Senior Vice President at UBS Financial Services. He began his career in financial services in 1997 at PaineWebber. Jon earned his Certified Financial Planning (CFP®) designation in 2005.
Jon received a Bachelor of Arts degree in political science and history from Dickinson College in Pennsylvania. He is a member of the Guardsmen, a San Francisco charitable organization that provides educational programs for at risk youth and serves on the advisory board of Avon Old Farms Preparatory school in Connecticut. In his free time, Jon enjoys running marathons, playing ice hockey, and golfing. He and his wife, Larisa, are raising a daughter and son in Palo Alto, California.
Jon received a Bachelor of Arts degree in political science and history from Dickinson College in Pennsylvania. He is a member of the Guardsmen, a San Francisco charitable organization that provides educational programs for at risk youth and serves on the advisory board of Avon Old Farms Preparatory school in Connecticut. In his free time, Jon enjoys running marathons, playing ice hockey, and golfing. He and his wife, Larisa, are raising a daughter and son in Palo Alto, California.
Securities Agent: VA, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, KS, KY, MA, MD, ME, MI, MN, MT, NC, NH, NJ, NM, NV, NY, OH, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, WA, WI, WY, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1279019
NMLS#: 1279019
About Jonathan Harris
Jonathan has 24 years of experience in investment management and has been recognized as one of the country’s top Private Wealth Management advisors since 2006. Jonathan leads the team’s strategic and tactical asset allocation framework and runs all discretionary portfolios. Jonathan received a B.A. in Economics from the University of Pennsylvania and an M.B.A. from U.C. Berkeley. Jonathan lives in Orinda with his wife, Alyssa, and three children.
Securities Agent: FL, UT, NE, CA, NY, NM, NH, WI, IN, HI, DE, VT, OR, NV, NJ, MO, MI, MA, IL, GA, RI, PA, MD, KS, ID, DC, TN, NC, VA, SC, MT, MN, ME, CO, AZ, WY, WA, PR, CT, KY, TX, OH, IA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1275607
NMLS#: 1275607
About Jennifer Tokioka
Jennifer joined our team in July 2021. She supports our team’s operational and administrative needs to ensure clients receive superior service.
Prior to her return to Morgan Stanley, Jennifer was a Team Administrator at UBS Financial Services. She began her career at Paine Webber in 1997 and has spent the bulk of her career
working with ultra-high net worth families and entities.
Jennifer received her MBA in Accounting and Finance from American Intercontinental University in 2015. She and her husband, Jason, currently live in San Mateo with their twin daughters. Jennifer enjoys discovering new restaurants, testing new recipes, watching NBA Basketball and is actively searching for a new hobby now that her daughters have graduated from college.
Prior to her return to Morgan Stanley, Jennifer was a Team Administrator at UBS Financial Services. She began her career at Paine Webber in 1997 and has spent the bulk of her career
working with ultra-high net worth families and entities.
Jennifer received her MBA in Accounting and Finance from American Intercontinental University in 2015. She and her husband, Jason, currently live in San Mateo with their twin daughters. Jennifer enjoys discovering new restaurants, testing new recipes, watching NBA Basketball and is actively searching for a new hobby now that her daughters have graduated from college.
About Gabby Shaw
Gabby is a Vice President, Business Development Director for the 415 Group in Morgan Stanley’s Private Wealth Management Division. She focuses on developing and deepening client relationships as well as assisting with the clients of the next generation.
Prior to her role, Gabby lived in New York and worked as a co-manager and specialist on the Consulting Group and Mutual Fund Sales Desk at Morgan Stanley. She specialized in providing investment recommendations and assisting with portfolio construction. Gabby began her career as an analyst in 2017 at Morgan Stanley’s Private Wealth Management Division in San Francisco, where she helped synthesize client and prospect data to develop comprehensive financial and asset allocation strategies.
Gabby graduated with a B.A. in economics and minor in philosophy from Washington and Lee University in 2017. Originally from Woodside, Gabby relocated back to the Bay Area with her fiancé in September 2024. She enjoys traveling, the outdoors, and spending time with her family and friends.
Prior to her role, Gabby lived in New York and worked as a co-manager and specialist on the Consulting Group and Mutual Fund Sales Desk at Morgan Stanley. She specialized in providing investment recommendations and assisting with portfolio construction. Gabby began her career as an analyst in 2017 at Morgan Stanley’s Private Wealth Management Division in San Francisco, where she helped synthesize client and prospect data to develop comprehensive financial and asset allocation strategies.
Gabby graduated with a B.A. in economics and minor in philosophy from Washington and Lee University in 2017. Originally from Woodside, Gabby relocated back to the Bay Area with her fiancé in September 2024. She enjoys traveling, the outdoors, and spending time with her family and friends.
About Grey Pendery
Grey is a Wealth Management Associate in the Private Wealth Management division of Morgan Stanley. He provides daily operational coverage and financial reporting.
He joined Morgan Stanley in 2021. Grey graduated with a B.S. in Economic & Finance from Centre College.
Grey currently resides in San Francisco, CA.
He joined Morgan Stanley in 2021. Grey graduated with a B.S. in Economic & Finance from Centre College.
Grey currently resides in San Francisco, CA.
About Ryan Copeland
Ryan is a Registered Associate in the Private Wealth Management division of Morgan Stanley. He joined Morgan Stanley in 2022 and provides daily operational coverage and reporting.
Ryan graduated with a B.S. in Finance & Marketing from the Martin J. Whitman School of Management at Syracuse University.
Ryan currently resides in San Francisco, CA.
Ryan graduated with a B.S. in Finance & Marketing from the Martin J. Whitman School of Management at Syracuse University.
Ryan currently resides in San Francisco, CA.
About Alex Nemechek
Alex joined us in October 2023. Prior to joining the team, Alex spent 2 years with the Palo Alto Group at Morgan Stanley. He specialized in corporate equity compensation analysis and liquidation strategies for executives under Rule 10b5-1.
During his collegiate years, Alex served as an equity analyst and later the COO of the D'Artagnan Capital Fund, Xavier University's student-led actively managed opportunities fund.
Alex graduated from the Williams College of Business at Xavier University with a BS in Finance and International Business in 2021.
Alex was born and currently resides in Los Gatos, California. In his free time Alex enjoys fishing and skiing
During his collegiate years, Alex served as an equity analyst and later the COO of the D'Artagnan Capital Fund, Xavier University's student-led actively managed opportunities fund.
Alex graduated from the Williams College of Business at Xavier University with a BS in Finance and International Business in 2021.
Alex was born and currently resides in Los Gatos, California. In his free time Alex enjoys fishing and skiing
About Wonny Mullen
Wonny is a Senior Client Service Associate in the Private Wealth Management division of Morgan Stanley. She originally joined Morgan Stanley in 2004.
Wonny graduated with a B.A. in Communications from the University of Southern California.
Wonny lives in Oakland, CA with her husband, Joe, and their two children.
Wonny graduated with a B.A. in Communications from the University of Southern California.
Wonny lives in Oakland, CA with her husband, Joe, and their two children.
About Zilla Bharmal
Zilla joined Morgan Stanley in February 2023. She is a dedicated Client Service Associate with a passion for building strong personal relationships and delivering exceptional service.
She graduated from the University of Texas San Antonio with a B.A. degree in communications and a minor in business. Originally from Tanzania, Zilla's multicultural background and experiences living in Canada and the United States have shaped her ability to connect with people from all backgrounds and create relationships founded on trust, transparency, and effective communication.
Outside of work, Zilla finds joy in hiking, traveling, and reading. She always looks forward to new adventures!
She graduated from the University of Texas San Antonio with a B.A. degree in communications and a minor in business. Originally from Tanzania, Zilla's multicultural background and experiences living in Canada and the United States have shaped her ability to connect with people from all backgrounds and create relationships founded on trust, transparency, and effective communication.
Outside of work, Zilla finds joy in hiking, traveling, and reading. She always looks forward to new adventures!
About Allison Stringer
Allison joined Morgan Stanley in 2019 and has over 11 years of experience in the financial services industry. She began her career at Morgan Stanley in San Francisco, where she spent three years in the Wealth Management division followed by another three years in the Operations division at Morgan Stanley London. These diverse experiences have deepened her skills and insights, allowing her to provide exceptional support to clients and their families in managing their wealth. She is excited to continue contributing to the team’s success and looks forward to connecting with clients.
From onboarding to operational support, Allison is known for delivering timely, high-quality service. Her detail-oriented approach and commitment to excellence are consistently appreciated by both clients and colleagues.
Allison graduated with a B.A. in Business Management Economics from University of California, Santa Cruz in 2014. Originally from Alameda, she relocated back to the Bay Area with her husband in December 2024. Outside of work, Allison enjoys traveling, cooking, and spending time with family and friends.
From onboarding to operational support, Allison is known for delivering timely, high-quality service. Her detail-oriented approach and commitment to excellence are consistently appreciated by both clients and colleagues.
Allison graduated with a B.A. in Business Management Economics from University of California, Santa Cruz in 2014. Originally from Alameda, she relocated back to the Bay Area with her husband in December 2024. Outside of work, Allison enjoys traveling, cooking, and spending time with family and friends.
Contact Victoria Bailey
Contact Will Lyon
Contact Jonathan Usich
Contact Jonathan Harris
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
Nathan Hurty
Private Banker
John Binney
Private Banker
About Nathan Hurty
Nathan Hurty is a Private Banker serving Morgan Stanley Private 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.
Nathan began his career in financial services in 2009, and joined Morgan Stanley in 2011, and has held roles in the Private Bank including Associate Private Banker and Loan Portfolio Manager. Prior to joining the firm, he was an Associate at Advanced Equities.
Nathan is a graduate of Augustana College, where he received a Bachelor of Arts degree in Finance with a minor in Economics. He lives in San Francisco, California with his family. Outside of the office, Nathan enjoys cooking and is an avid skier.
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.
Nathan began his career in financial services in 2009, and joined Morgan Stanley in 2011, and has held roles in the Private Bank including Associate Private Banker and Loan Portfolio Manager. Prior to joining the firm, he was an Associate at Advanced Equities.
Nathan is a graduate of Augustana College, where he received a Bachelor of Arts degree in Finance with a minor in Economics. He lives in San Francisco, California with his family. Outside of the office, Nathan enjoys cooking and is an avid skier.
NMLS#: 1116086
About John Binney
John Binney is a Private Banker serving Morgan Stanley Private Wealth Management 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.
John began his career in financial services at Morgan Stanley in 1997 as a Sales Associate. He also served as a Senior Analyst within Private Wealth Management prior to joining Morgan Stanley Private Bank in 2014.
John is a graduate of the University of San Diego, where he received a Bachelors of Arts in Business Administration, and St. Mary’s College, where he received his Masters of Business Administration. He lives in Moraga, California with his family. Outside of the office, John enjoys skiing and traveling, as well as spending time with family and friends.
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.
John began his career in financial services at Morgan Stanley in 1997 as a Sales Associate. He also served as a Senior Analyst within Private Wealth Management prior to joining Morgan Stanley Private Bank in 2014.
John is a graduate of the University of San Diego, where he received a Bachelors of Arts in Business Administration, and St. Mary’s College, where he received his Masters of Business Administration. He lives in Moraga, California with his family. Outside of the office, John enjoys skiing and traveling, as well as spending time with family and friends.
NMLS#: 1190751
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Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
1Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website 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 may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
See the Financial Advisors Biographies for Registration and Licensing information.
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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Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Awards Disclosures
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website 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 may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
See the Financial Advisors Biographies for Registration and Licensing information.
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.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Awards Disclosures
CRC 6295606 (3/2024)
