Renee Lofland
Portfolio Associate
Phone:
(281) 717-1503(281) 717-1503
Chadi A. Sahyoun
Vice President,
Financial Advisor
Direct:
(281) 717-1482(281) 717-1482
My Mission Statement
We are committed to transforming the financial futures of individuals, families and businesses through tailored strategies, innovative solutions, and unwavering transparency.
With our expertise and cutting-edge tools, we forge trusted partnerships that deliver lasting success.
With our expertise and cutting-edge tools, we forge trusted partnerships that deliver lasting success.
YOUR FINANCIAL PARTNERS
As a dedicated financial advisory team, we partner with institutional clients, high-net-worth individuals, and family offices to deliver unparalleled wealth management solutions.
For CPAs and estate planning attorneys: Through our Professional Alliance Group, we partner with you to enhance clients experiences through seamless, integrated financial guidance.
For institutions: We offer specialized financial services to optimize your strategies, including 401(k) plans, Deferred Compensation, stock plan administration, executive services, and corporate cash management.
For non-profit and philanthropic organizations: partner with us to amplify the impact of your donations, events and activities, elevating your overall mission through customized financial solutions.
Securities Agent: OH, MD, NY, NV, VA, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 2668898
NMLS#: 2668898
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Comprehensive Financial Planning
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisor, I can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
Having a plan in place allows you to adjust confidently, not react blindly. with a well structured plan, you gain more than just direction -you gain peace of mind.
Estate Planning Strategies
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. I regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
Managing Investments
I take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
Manage Debt
I thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Multi-generational Families
I take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
Retirement
Leading up to and through retirement, Cornerstone Capital helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals.
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Uncharted Wealth: Exploring Alternative Asset Classes
Step into the exclusive realm of Alternative Investments, where high net-worth and sophisticated investors transcend the ordinary constraints of stocks, bonds, and cash. From real estate and private equity to hedge funds and commodities, these dynamic assets offer not only unparalleled diversification but also compelling tax-advantaged strategies designed to optimize your performance.
With 45 years of pioneering expertise and more than $230 billion in assets invested in alternatives, Morgan Stanley stands as an industry titan, leading this sophisticated asset class.
Ready to redefine your financial legacy with sophistication and fiscal savviness? Let's explore together the transformative power of Alternative Investments today.
Alternative Investments encompass a diverse spectrum of opportunities:
- Real Estate
- Infrastructure
- Private Equity
- Private Debt
- Hedge Funds
- Commodities
- Structured Products
Build Your Institution's Prosperity With Our Leading Solutions
At Morgan Stanley, we understand that every company has unique financial needs, which is why we offer a comprehensive suite of financial solutions. Backed by the knowledge and experience of the firm, our dedicated teams can give your company, your executives, and other employees access to a bespoke combination of solutions that evolves as their needs evolve.
Supporting the Diverse Needs of Your Company, Executives and Employees
- Equity Solutions
- Retirement Plan Consulting
- Executive Services
- Nonqualified Deferred Compensation
- Institutional Consulting
- Investment Banking & Capital Markets
- Corporate Cash Solutions
Align with a Global Leader to Expand Your Service Platform
If your clients are often seeking advice on how to better position themselves for a more secure financial future – and your firm or agency doesn't offer the expertise or necessary credentials to consult on specific investment solutions – then consider aligning your services with a wealth management market leader.
Through Morgan Stanley's Professional Alliance Group Program, you can now team up with a Morgan Stanley Financial Advisor to expand your practice by offering a wide-ranging menu of financial services that can be tailored to match your clients' specific investment needs.
When you align with Morgan Stanley Financial Advisor's, your clients gain access to comprehensive and expansive investment strategies from a leader in financial services. Our global presence and deep understanding of the financial markets mean you can bring your clients distinctive opportunities. Whether your clients are seeking simple financial strategies or the most sophisticated types of investments or advice, you serve as their gateway to the strength and resources of our firm.
Schedule a consultation to discover how our professional alliance can enhance your practice and deliver exceptional value to your clients, while unlocking new opportunities for growth.
Experienced and Insightful Investment Advice
Our Global Investment Committee (GIC), a highly regarded group of individuals dedicated to supporting the interactions between Financial Advisors and their clients, generates thought leadership on investing themes around the world. The GIC consists of senior professionals and noted authorities from within and outside of our firm, who guide Morgan Stanley's market outlook, maintains the firm's model portfolios, and provide advice on asset allocation and opportunistic investments for dozens of asset classes.
Comprehensive Process For Manager Analysis
Our manager analysis professionals analyze and vet more than 2,300 investment strategies from approximately 400 investment management firms, our Global Investment Manager Analysis Group ("GIMA") is one of the most rigorous money manager analysis teams in the industry today and considered a significant strength to our organization.
Provider of Investment Consulting
Morgan Stanley's Consulting Group, the investment advisory arm of Morgan Stanley Wealth Management, has a long tradition of serving clients, from the individual investor to larger institutions, providing each with investment consulting advice and services. Through our attention to client objectives, we have earned a distinguished reputation as a leading provider on investment advisory services. Our investment programs are designed to help your clients build their wealth, while creating lasting legacies for their families, and our forward-looking advisory products and services are supported by industry leading analysis, asset allocation advice and innovation.
Cutting-Edge Wealth Planning Tools
Our Financial Advisors have access to a sophisticated suite of tools to create a realistic, comprehensive strategy that integrates the various aspects of a client's financial life, including investments and cash management needs. A Morgan Stanley Financial Advisor can work with your clients to: Define financial goals, such as retirement, education, major purchases, or creating a legacy for heirs. Review your client's current financial situation, including net worth, income, investments and asset allocation and Design a customized strategy to help your clients achieve their financial goals.
Extensive Platform of Investment Offerings
Your clients will have access to a suite of professionally managed programs, which may include among other things, mutual funds and exchange traded funds, equities, fixed income and select option strategies. With the client's objectives in mind, the Financial Advisor leverages global resources of Morgan Stanley to determine appropriate investments to implement based on the client's personal strategy and investment objectives
Alternative Investments
The Morgan Stanley Alternative Investments Group offers an array of proprietary and third-party alternative investment strategies to complement traditional investment portfolios. Alternative Investments are offered only to qualified investors. Client's eligibility to purchase alternative investments is typically based on the clients net worth.
Location
15021 Katy Freeway
Ste 650
Houston, TX 77094
US
Direct:
(281) 717-1482(281) 717-1482
Meet My Team
About Renee Lofland
Renee Lofland is a Portfolio Associate at Morgan Stanley. She began her career in the investment industry in 1999 with Capital Group and joined Morgan Stanley in 2013. In 2020, she was honored with the Support Professional Ambassador Award by Morgan Stanley, recognizing her exceptional dedication to client service.
Renee received her undergraduate degree in History at University of Texas at San Antonio and went back to school to complete her Certificate in Accounting at Lone Star College. In her spare time, Renee volunteers as a dog walker at Citizen’s for Animal Protection (CAP) and has been involved in dog rescue by fostering and socializing dogs to enable successful rehoming.
Renee enjoys gardening in her spare time and traveling the world with her husband, one cruise ship at a time.
Renee received her undergraduate degree in History at University of Texas at San Antonio and went back to school to complete her Certificate in Accounting at Lone Star College. In her spare time, Renee volunteers as a dog walker at Citizen’s for Animal Protection (CAP) and has been involved in dog rescue by fostering and socializing dogs to enable successful rehoming.
Renee enjoys gardening in her spare time and traveling the world with her husband, one cruise ship at a time.
AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY; General Securities Representative; Investment Advisor Representative
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
Esteban Becerra
Planning Associate
About Esteban Becerra
Esteban is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Esteban provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Instituto Tecnológico Autónomo de México (ITAM) and received the Financial Planning Specialist® designation from the College for Financial Planning. Esteban is originally from San Diego, California, and currently resides in White Plains, New York.
He earned his undergraduate degree from Instituto Tecnológico Autónomo de México (ITAM) and received the Financial Planning Specialist® designation from the College for Financial Planning. Esteban is originally from San Diego, California, and currently resides in White Plains, New York.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley 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 consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and 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, charitable giving, philanthropic planning and other legal matters.
When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley 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 consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and 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, charitable giving, philanthropic planning and other legal matters.
When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.
Wealth Management
Global Investment Office
Portfolio Insights
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
A Simple Six-Step Retirement Checkup
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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
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
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
Ready to start a conversation? Contact Chadi A. Sahyoun today.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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 appropriate 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”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER® and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
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 appropriate 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”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER® and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
