Our Story

I came to attend college in the United States with the intention of earning my degree and returning home to my native Kuwait. The first Gulf War put an end to those plans. So I stayed, got a job at a bank and discovered that I have a passion for helping other people make plans to reach their financial goals. I moved to Southern California, married an incredible woman, started a family and steadily built a successful practice.

While none of my clients has that same story, almost all of them have a similar one. My team and I work with families of Indian descent who have built thriving businesses in places like Curacao, St. Martin and Panama. We serve Middle Eastern families who have children living and working in Europe and the U.S. Their family lives and business activities create complex financial challenges that cross borders and span generations. Our goal is to help them create, implement and maintain highly customized and truly comprehensive plans to meet those challenges.

We limit our practice to a very small number of clients, so we can provide each of them with the kind of exceptional service we believe they deserve. If you would like to hear more, we would love to learn more about the aspirations you have for yourself, your family, your business and your community. To begin that conversation, please email ammar.lughod@morganstanley.com so we can arrange a convenient time to speak.
Capabilities
  • Comprehensive Wealth Planning
  • Asset Allocation
  • Portfolio Management
  • Open-Architecture Platform
  • Cash Management and Lending Solutions
  • Family Office Advisory Services
  • Sustainable & Responsible Investing
  • Risk Management Strategies
  • Philanthropy Management
  • Family Governance & Wealth Education
  • Consolidated Reporting
  • Lifestyle Advisory Services
Securities Agent: TX, CA, WY, WV, VI, VA, NY, NV, NC, MD, MA, KY, IL, FL, DE, CO; Managed Futures; General Securities Representative; Investment Advisor Representative
NMLS#: 1584404
CA Insurance License #: 0D52327
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
We work with a select group of exceptional families. Our clients maintain their primary residences in the Caribbean and Latin American, Europe, Asia and the United States. Many also have family members who live and work in other countries on other continents. This adds an additional layer of complexity to the already significant multigenerational challenges of managing substantial wealth. As most of our clients created their wealth through entrepreneurial activities, they also need solutions to address their business needs.

The families we serve look to us to address the full spectrum of their financial needs. Combining our own experience and personal network with the vast global resources of Morgan Stanley, we commit ourselves to helping our clients address every one of their personal and professional financial challenges. If we can’t come up with a solution ourselves, we help them find someone who can. We are on call to answer our clients’ questions, address any financial challenge and help them live the lives they want to lead.
    International Wealth Management focuses exclusively on the unique financial needs of clients who live outside the United States, serving highly accomplished entrepreneurs, executives and professionals from over 60 countries across the Americas, Europe, Asia and the Middle East.

    Most of our International Client Advisors specialize in a specific country or region, so they speak the language, understand the culture and are familiar with the economic and regulatory climate. Combining their investment knowledge with the vast global resources and intellectual capital of Morgan Stanley, they deliver solutions that help you pursue the goals and aspirations you have for yourself, your family and your community.
    International Wealth Management Highlights (as of June 2016)
    • Serving over 140,000 families from over 60 countries
    • Over $90 billion in nonresident AUM
    • 450+ International Client Advisors in 16 International Wealth Offices
    • 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

    Global Franchise

    Morgan Stanley serves a global clientele of individuals, families, corporations, endowments, foundations, governments and others through three core businesses:
    • Morgan Stanley Wealth Management
    • Institutional Securities Group
    • Investment Management
    Our strength and synergies across each of these businesses not only contributes to the economic vitality and stability of the firm, but also expands the vast resources, expertise and global insight that we can offer you.
    Morgan Stanley Franchise Power
    • $2.4tn in client assets under management1
    • Morgan Stanley reported revenues of $11.9Bn1
    • More than 55,000 global employees1
    • Global footprint includes 1,200 offices in 31 countries on six continents1
    • Tier 1 risk-based capital Ratio under U.S. Basel III was approximately 17.8%1
    • $206Bn in liquidity reserve1
    • Long-term credit rating A3, BBB+ and A, by Moody’s, S&P and Fitch, respectively2
    1Unaudited. As of March 31, 2018, Morgan Stanley Quarterly Financial Supplement
    2MorganStanley.com/InvestorRelations
    • Ammar Lughod
      Executive Director
      International Client Advisor

      Drawing on nearly 25 years of wealth management experience, Ammar Lughod serves an elite global clientele of entrepreneurs, executives and their families. Ammar works to tailor each relationship to the specific needs and preferences of his clients. This invariably includes a customized investment strategy, but also may involve cash management and lending solutions, family office consulting and a broad range of lifestyle advisory, wealth education and philanthropy management offerings.

      Having worked with international clients throughout his career, Ammar has developed a detailed knowledge of the wealth management structures and specialized products required by families who reside outside the United States. Ammar joined Morgan Stanley International Wealth Management in 2016, and became a member of the firm’s prestigious President’s Club in 2017. He previously spent 15 years in the International office of UBS in Beverly Hills, California, and eight years in a similar capacity at Merrill Lynch. Ammar began his career as a branch operations specialist at Perpetual Bank, gaining customer service skills that continue to inform the high-touch service model he delivers to his clients today.

      A native Arabic speaker, Ammar was born and raised in Kuwait to Palestinian parents. He moved to the United States to pursue his studies at Oklahoma City University, where he graduated with a B.S. in finance. Ammar lives in Santa Monica with his wife, Abeer Othman, and their teenage children, Layth and Zayna. An avid reader and athlete, Ammar spends his off hours playing tennis and soccer, or immersed in a good book.

      ammar.lughod@morganstanley.com
      310-285-6556
    • Vanessa N. Villarreal Elkins
      Assistant Vice President
      Wealth Management Associate

      Having worked with international wealth management clients for over 17 years, Vanessa Villarreal Elkins brings a detailed understanding of the complex account requirements of ultra high net worth families who reside outside the United States. Vanessa plays a critical role on the team, leveraging the Morgan Stanley International Wealth Management platform to introduce new products and services for the benefit of non-resident clients and their beneficiaries. Vanessa is fluent in both Spanish and English.

      As a 2017 Leadership Readiness Program candidate and Support Professional Coach in the Beverly Hills Complex, Vanessa works closely with branch management to further develop the information sharing between the support staff.

      Vanessa graduated from the University of Southern California with a B.A. in economics. She lives in Los Angeles with her husband, Daniel, and takes every opportunity she can to travel throughout the world.

      vanessa.elkins@morganstanley.com
      310-285-6520

    Location

    9665 Wilshire Blvd
    Ste 600
    Beverly Hills, CA 90212
    US
    Direct:
    (310) 285-6556(310) 285-6556
    Investment and Market Perspectives

    On the Markets

    Retirement

    Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
    • 401(k) Rollovers
    • IRA Plans
    • Retirement Income Strategies
    • Retirement Plan Participants
    • Annuities
    The Simple Six-Step Retirement Checkup

    The Simple Six-Step Retirement Checkup

    Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

    Investing

    Working closely with you to guide your wealth and investments through the most challenging market cycles.
    • Asset Management
    • Wealth Planning
    • Traditional Investments
    • Alternative Investments
    • Impact Investing
    Investing in Artificial Intelligence and Automation

    Investing in Artificial Intelligence and Automation

    AI is an exciting growth area, but the investing opportunities are not always obvious. Here’s how to integrate this theme into your portfolio.

    Family

    Creating customized financial strategies for the challenges that today's families face.
    • Estate Planning Strategies
    • 529 Plans / Education Savings Planning
    • Long Term Care Insurance
    • Special Needs Planning
    • Trust Services
    Thinking About Your Legacy? Why You May Need a Trust

    Thinking About Your Legacy? Why You May Need a Trust

    You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for.

    Business Planning

    Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
    • Succession Planning
    • Business Planning
    • Retirement Plan Sponsors
    • Qualified Retirement Plans
    • Corporate Pension Funds
    6 Keys to Building a Startup

    6 Keys to Building a Startup

    Entrepreneurs share ideas and learnings from the experience of starting a company.

    Philanthropy

    Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
    • Endowments
    • Foundations
    • Donor Advised Funds
    • Impact Investing
    Choosing an Environmental Charity

    Choosing an Environmental Charity

    There are a multitude of non-profits dedicated to helping protect the environment. Here’s how to choose where you want to give.

    More from Morgan Stanley

    OUTSMART VOLATILITY IN A MORGAN STANLEY MINUTE

    OUTSMART VOLATILITY IN A MORGAN STANLEY MINUTE

    “You may feel like a 1,000 point move in the Dow in a single day is unprecedented, but the reality is that it’s a 2 or 3% move down.” - Lisa Shalett, Chief Investment Officer, Wealth Management
    Learn more about OUTSMART VOLATILITY IN A MORGAN STANLEY MINUTE
    Morgan Stanley and Justin Rose: A Winning Team

    Morgan Stanley and Justin Rose: A Winning Team

    Morgan Stanley and our brand ambassador, PGA TOUR champion Justin Rose, share a set of core values and a common cause: giving books to children in need.
    Learn more about Morgan Stanley and Justin Rose: A Winning Team
    Sign Up for eDelivery

    Sign Up for eDelivery

    With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
    Learn more about Sign Up for eDelivery
    Reserved | Living & Giving

    Reserved | Living & Giving

    Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
    Learn more about Reserved | Living & Giving
    Your Financial World. On the Go.

    Your Financial World. On the Go.

    With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
    Learn more about Your Financial World. On the Go.
    Access Morgan Stanley Online

    Access Morgan Stanley Online

    Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
    Learn more about Access Morgan Stanley Online
    Ready to start a conversation? Contact Ammar Lughod today.
    Market Information Delayed 20 Minutes
    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 suitable 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”) 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.


    CRC 2019752 10/2018