Managing Director, Private Wealth Management, Private Wealth Advisor, Global Sports and Entertainment Director
Phone:
(213) 486-8946(213) 486-8946
Morgan Stanley Private Wealth Management
ESW Group
Direct:
(800) 326-8584(800) 326-8584
Our Mission Statement
A boutique group within a global firm, Private Wealth Management is optimized to serve ultra high net worth individuals, families and foundations.
Welcome
Having worked with highly affluent families for many years, we have seen how significant wealth creates exceptional opportunities and fosters a multitude of complex challenges. We understand the nature of the issues you are likely to be facing, and have the experience and resources to help you address them. We also understand that there is no family that is exactly like yours. You have unique needs, challenges, limitations and aspirations. We are here to help you create and implement truly comprehensive, multigenerational strategies, based on your unique circumstances, to help you protect what you have and live the life you choose.
Whether you are investing the proceeds from the sale of your business, creating a family foundation, determining the most efficient way to finance a real estate investment or preserving a legacy for your heirs, we can serve as the go-to advisors who help you understand the issues and make informed financial decisions. Combining our own experience with the vast global resources of Morgan Stanley, we will deliver solutions to you and your family that address any and every aspect of your financial life.
We look forward to discussing your needs and goals, and the resources we can place at your disposal.
Whether you are investing the proceeds from the sale of your business, creating a family foundation, determining the most efficient way to finance a real estate investment or preserving a legacy for your heirs, we can serve as the go-to advisors who help you understand the issues and make informed financial decisions. Combining our own experience with the vast global resources of Morgan Stanley, we will deliver solutions to you and your family that address any and every aspect of your financial life.
We look forward to discussing your needs and goals, and the resources we can place at your disposal.
Capabilities
- Comprehensive Wealth Planning
- Pre-Liquidity Planning
- Investment Management
- Open-Architecture Platform
- Manager Selection
- Proprietary Investment Opportunities
- Sustainable & Responsible InvestingFootnote1
- Risk Management
- Hedging Strategies
- Philanthropy Management
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 350 teams1 specialized in assisting individuals and families with $20MM+ in investable assets
- Over $980 billion in AUM1
- Comprising 23% of the Barron’s Top 250 Private Wealth Management Teams for 2024
- 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, 2024
Source: Barron's.com (May 2024) 2024 Barron's Top 250 Private Wealth Management Teams awarded in 2024. The teams are ranked on a variety of factors, including their size and shape, their regulatory records and credentials of their members, and the resources they have at their disposal to serve their client bases. The rankings are meant as a starting point for clients looking for an advisor—a first-pass vetting that can help investors narrow a search. Every advisor will have his or her own approach to investing, financial planning, and other services. Clients are encouraged to approach a search for an advisor the way they would a search for a doctor—interviewing multiple professionals and getting opinions from multiple third parties. 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.
Location
444 South Flower St
34th Floor
Los Angeles, CA 90071
US
Direct:
(800) 326-8584(800) 326-8584
Meet ESW Group
Harry Suh
Managing Director, Private Wealth Management, Private Wealth Advisor, Global Sports and Entertainment Director
Phone:
(213) 486-8951(213) 486-8951
Senior Vice President, Wealth Management, Financial Advisor, Global Sports and Entertainment Associate
Phone:
(213) 486-8971(213) 486-8971
Eithne McLaren
Director of Business Strategy, Private Wealth Management, Assistant Vice President
Phone:
(213) 486-8897(213) 486-8897
Justin Levy
Assistant Vice President, Wealth Management Analyst
Phone:
(213) 486-8973(213) 486-8973
Kellen Peet
Wealth Management Analyst
Phone:
(213) 486-7170(213) 486-7170
Carlos Trejo
Registered Client Service Associate
Phone:
(213) 486-8991(213) 486-8991
Alison Huang
Senior Registered Client Service Associate
Phone:
(213) 486-8885(213) 486-8885
About Darren Edwards
Darren Edwards brings over 20 years of diverse wealth management experience to the service of the team’s clients. Along with his team of professionals, Darren develops and implements comprehensive wealth planning strategies for his clients, their families, foundations and businesses. As a dedicated financial advisor, he helps his clients create customized strategic and tactical asset allocations, working alongside their legal and tax advisors when appropriate.
Prior to joining Morgan Stanley Private Wealth Management in 2015, Darren served as a Director in the Private Bank at Credit Suisse and, earlier, as a Vice President at UBS. He holds a degree in Economics from the University of California at Los Angeles.
Darren is currently and has been involved in numerous charitable organizations, including Operation Hope’s financial literacy program, the Juvenile Diabetes Research Foundation, The Foundation Fighting Blindness and the Muscular Dystrophy Association. He currently serves as a member of the board of directors at The Colburn School and the board of governors at Cedars-Sinai Hospital. He has also served as a member of the board of governors of the Los Angeles Athletic Club and the Board of Directors of Baby Buggy.
Darren has been recognized in Forbes Magazine's inaugural list of the Best-in-State Wealth Advisors for 2018, and again for 2020. Barron's Magazine recognized Darren as one of the Top 1,200 Financial Advisors in America for 2020, representing California.
2018, 2020 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2020). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2020) Data compiled by Barron's based on time period from Sept 2018- Sept 2019.
Prior to joining Morgan Stanley Private Wealth Management in 2015, Darren served as a Director in the Private Bank at Credit Suisse and, earlier, as a Vice President at UBS. He holds a degree in Economics from the University of California at Los Angeles.
Darren is currently and has been involved in numerous charitable organizations, including Operation Hope’s financial literacy program, the Juvenile Diabetes Research Foundation, The Foundation Fighting Blindness and the Muscular Dystrophy Association. He currently serves as a member of the board of directors at The Colburn School and the board of governors at Cedars-Sinai Hospital. He has also served as a member of the board of governors of the Los Angeles Athletic Club and the Board of Directors of Baby Buggy.
Darren has been recognized in Forbes Magazine's inaugural list of the Best-in-State Wealth Advisors for 2018, and again for 2020. Barron's Magazine recognized Darren as one of the Top 1,200 Financial Advisors in America for 2020, representing California.
2018, 2020 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2020). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2020) Data compiled by Barron's based on time period from Sept 2018- Sept 2019.
Securities Agent: OR, AZ, OK, MI, UT, NY, NV, NH, TX, NM, ID, DE, CT, WA, VA, NC, MO, TN, NJ, MD, IL, FL, MN, GA, OH, CO, SD, DC, WY, PA, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1426107
NMLS#: 1426107
About Harry Suh
Drawing on a decade of experience in the financial services industry, Harry Suh advises ultra high net worth individuals, foundations and nonprofits in all aspects of wealth management. Utilizing a consultative approach, Harry works closely with his clients to design and implement strategies designed to build, preserve and ultimately transfer his client’s wealth.
Prior to joining Morgan Stanley Private Wealth Management in 2015, Harry served as a vice president in the Private Bank at Credit Suisse. He began his professional career with regional private banks, before joining UBS in 2003 as a Financial Advisor in Los Angeles. Harry attended the University of Southern California.
Among his many philanthropic involvements, Harry works with Operation Hope and A Place Called Home, and serves on the board of directors of The Colburn School. He has also served as a board member of the San Diego Opera, where he headed the finance committee and was a member of the Executive Board. He served as an ex-officio board member of the Max H. Gluck Foundation and as head of their audit committee.
Harry lives in Encino with his wife, two children and their dog.
Prior to joining Morgan Stanley Private Wealth Management in 2015, Harry served as a vice president in the Private Bank at Credit Suisse. He began his professional career with regional private banks, before joining UBS in 2003 as a Financial Advisor in Los Angeles. Harry attended the University of Southern California.
Among his many philanthropic involvements, Harry works with Operation Hope and A Place Called Home, and serves on the board of directors of The Colburn School. He has also served as a board member of the San Diego Opera, where he headed the finance committee and was a member of the Executive Board. He served as an ex-officio board member of the Max H. Gluck Foundation and as head of their audit committee.
Harry lives in Encino with his wife, two children and their dog.
Securities Agent: MN, MD, VA, PA, NH, DC, CO, NC, ID, FL, AZ, WA, SD, OH, WY, TN, NY, NM, IL, CT, GA, NV, CA, UT, MI, DE, OK, NJ, MO, TX, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 1428666
NMLS#: 1428666
About Justin A Weiss
Justin brings over 15 years of asset and investment management experience to the team's clients. He works closely with Darren and Harry in creating, implementing, and monitoring bespoke investment portfolios for high-net-worth and ultra-high-net-worth clients. Additionally, he focuses on business development and marketing efforts and has been doing so with the team for over 9 years.
Prior to joining Morgan Stanley Private Wealth Management in 2018, Justin worked for Goldman Sachs, Credit Suisse, and Deutsche Bank Alex. Brown in areas focusing on asset allocation, research, portfolio construction and trading. He graduated from the University of Michigan—Ann Arbor in 2010 with a B.A. in Sociology. He is a CFA Charterholder and a member of the CFA Society of Los Angeles.
Originally from San Diego, CA, Justin currently resides in Westchester with his wife, son and dog. He enjoys cooking, exercising, and traveling.
Prior to joining Morgan Stanley Private Wealth Management in 2018, Justin worked for Goldman Sachs, Credit Suisse, and Deutsche Bank Alex. Brown in areas focusing on asset allocation, research, portfolio construction and trading. He graduated from the University of Michigan—Ann Arbor in 2010 with a B.A. in Sociology. He is a CFA Charterholder and a member of the CFA Society of Los Angeles.
Originally from San Diego, CA, Justin currently resides in Westchester with his wife, son and dog. He enjoys cooking, exercising, and traveling.
Securities Agent: MI, OR, MD, IL, WY, OH, NM, NJ, NH, WA, UT, TX, SD, MN, KS, CA, CT, CO, AZ, GA, DE, NC, TN, FL, PA, NV, ID, DC, NY, MO, OK, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1915554
CA Insurance License #: 4006701
NMLS#: 1915554
CA Insurance License #: 4006701
About Eithne McLaren
Eithne is an Assistant Vice President and Director of Business Strategy for the ESW Group. She is responsible for the team’s workflow and exceeding our clients' expectations on customer service. Additionally, Eithne is responsible for equity and fixed income trading execution and has worked at Morgan Stanley for over 10 years.
Prior to joining Morgan Stanley Private Wealth Management in 2010, Eithne worked for Bank of America in the Institutional Fixed Income Department in Los Angeles. Eithne brings over 32 years of securities industry experience.
Eithne grew up in Southern California and currently resides in San Gabriel and enjoys cooking, gardening, watching movies, and spending time with friends and family.
Prior to joining Morgan Stanley Private Wealth Management in 2010, Eithne worked for Bank of America in the Institutional Fixed Income Department in Los Angeles. Eithne brings over 32 years of securities industry experience.
Eithne grew up in Southern California and currently resides in San Gabriel and enjoys cooking, gardening, watching movies, and spending time with friends and family.
About Justin Levy
Justin provides the team with strategic reporting on investment opportunities and client business development. He also assists Darren, Harry, and Justin with portfolio analysis, financial modeling, and fund manager due diligence.
Prior to joining Morgan Stanley Private Wealth Management in 2019, Justin worked for Citrix Systems as member of the Financial Leadership Development Program. While at Citrix, he worked as a financial analyst, focusing on business operations and corporate finance. Previously, Justin had various internships at First Republic Investment Management and Churchill Management Group. He graduated from the University of Miami with a B.B.A. in Finance.
Originally from Los Angeles, Justin currently resides in Santa Monica and enjoys golfing, travelling, and volunteering at Cedar Sinai Medical Center.
Prior to joining Morgan Stanley Private Wealth Management in 2019, Justin worked for Citrix Systems as member of the Financial Leadership Development Program. While at Citrix, he worked as a financial analyst, focusing on business operations and corporate finance. Previously, Justin had various internships at First Republic Investment Management and Churchill Management Group. He graduated from the University of Miami with a B.B.A. in Finance.
Originally from Los Angeles, Justin currently resides in Santa Monica and enjoys golfing, travelling, and volunteering at Cedar Sinai Medical Center.
About Kellen Peet
Kellen assists the ESW Group with team operations including processing client requests, preparing internal team reports, and supporting the Private Wealth Advisors in daily business practices.
Prior to joining Morgan Stanley Private Wealth Management in 2021, Kellen worked for Northwestern Mutual as a financial representative in Santa Monica. While at Northwestern Mutual, Kellen assisted individuals in financial planning and implementing solutions tailored to clients’ individual needs. He graduated from the University of California, Santa Barbara in 2020 with a B.A. in Economics and Accounting.
Born and raised in San Diego, Kellen currently resides in Santa Monica where he enjoys golfing, exercising, and spending time with friends and family
Prior to joining Morgan Stanley Private Wealth Management in 2021, Kellen worked for Northwestern Mutual as a financial representative in Santa Monica. While at Northwestern Mutual, Kellen assisted individuals in financial planning and implementing solutions tailored to clients’ individual needs. He graduated from the University of California, Santa Barbara in 2020 with a B.A. in Economics and Accounting.
Born and raised in San Diego, Kellen currently resides in Santa Monica where he enjoys golfing, exercising, and spending time with friends and family
About Alison Huang
Alison assists the team with facilitating client requests, new account openings, money movements, as well as providing administrative support to the Private Wealth Advisors and handling daily ad-hoc requests.
Prior to joining Morgan Stanley Private Wealth Management in 2023, Alison worked as a Registered Client Service Associate at First Republic Private Wealth Management, where she provided operational and administrative support to ultra-high net worth clients with white glove standards of care. Alison graduated from Vanderbilt University in 2021 with a B.A. in Econometrics and Quantitative Economics.
Alison currently resides in Los Angeles, and enjoys traveling, reading, power lifting, cute dogs and spending time with family and friends.
Prior to joining Morgan Stanley Private Wealth Management in 2023, Alison worked as a Registered Client Service Associate at First Republic Private Wealth Management, where she provided operational and administrative support to ultra-high net worth clients with white glove standards of care. Alison graduated from Vanderbilt University in 2021 with a B.A. in Econometrics and Quantitative Economics.
Alison currently resides in Los Angeles, and enjoys traveling, reading, power lifting, cute dogs and spending time with family and friends.
Contact Darren Edwards
Contact Harry Suh
Contact Justin A Weiss
Wealth Management
Global Investment Office
Portfolio Insights
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
LISTEN | Passion Assets: Investing in Art
Article Image
Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
Funding Climate Action: Pathways for Philanthropy
Article Image
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
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.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 4237142 (02/2025)
