Tania Espinal
Client Service Associate
Phone:
(212) 492-6395(212) 492-6395
Morgan Stanley Private Wealth Management
Gengsheng Lu, CFP®, CIMA®
Managing Director, Private Wealth Management,
Private Wealth Advisor,
International Client Advisor,
Alternative Investments Director
Direct:
(212) 468-4548(212) 468-4548
Toll-Free:
(800) 323-7788(800) 323-7788
My Mission Statement
Delivering the experience, resources and personalized service needed to help affluent families address their most complex wealth management issues.
A boutique group within a global firm, Private Wealth Management is optimized to serve ultra high net worth individuals, families and foundations.
A boutique group within a global firm, Private Wealth Management is optimized to serve ultra high net worth individuals, families and foundations.
My Bio
Gengsheng Lu offers comprehensive investment management and wealth planning services to help clients address the myriad challenges of managing significant wealth. Gengsheng focuses on serving a global clientele of entrepreneurs, executives, privately-owned enterprises and high-net-worth families, developing a holistic wealth management approach with a focus on complex financial structuring, tax and estate strategies and family office services like philanthropy and wealth education.
In addition to providing an extensive range of investment products, risk mitigation strategies and market intelligence essential to asset preservation and growth, Gengsheng is deeply committed to delivering personalized solutions based on the unique situation and individual needs of each client to support the pursuit of their and their family’s goals and aspirations. She also helps clients access Morgan Stanley’ vast intellectual capital and global resources, including highly rated analysts, economists and strategists. She leads a highly trained, multilingual team with diverse backgrounds and skillsets to deliver dedicated client services.
Gengsheng has extensive experience working with clients who created wealth outside of the U.S., especially in the greater China region. A native Mandarin speaker and an immigrant herself, she is familiar with cultural nuances, as well as the economic and regulatory climate in the region. All this enables her to understand the evolving needs and preferences of Chinese clients and help them address their unique strategic, administrative and compliance concerns.
Gengsheng earned a Bachelor's degree in Shanghai, and later pursued a Master's degree in Applied Anthropology and a Master's degree in Finance in the US. Prior to joining Morgan Stanley, she worked in various roles in research, education, and project management with academic and non-profit institutions. Gengsheng currently lives with her husband and two children in New York.
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. Clients 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 Smith Barney LLC. Member SIPC.
(CRD# 3054650; 05/01/2020)
In addition to providing an extensive range of investment products, risk mitigation strategies and market intelligence essential to asset preservation and growth, Gengsheng is deeply committed to delivering personalized solutions based on the unique situation and individual needs of each client to support the pursuit of their and their family’s goals and aspirations. She also helps clients access Morgan Stanley’ vast intellectual capital and global resources, including highly rated analysts, economists and strategists. She leads a highly trained, multilingual team with diverse backgrounds and skillsets to deliver dedicated client services.
Gengsheng has extensive experience working with clients who created wealth outside of the U.S., especially in the greater China region. A native Mandarin speaker and an immigrant herself, she is familiar with cultural nuances, as well as the economic and regulatory climate in the region. All this enables her to understand the evolving needs and preferences of Chinese clients and help them address their unique strategic, administrative and compliance concerns.
Gengsheng earned a Bachelor's degree in Shanghai, and later pursued a Master's degree in Applied Anthropology and a Master's degree in Finance in the US. Prior to joining Morgan Stanley, she worked in various roles in research, education, and project management with academic and non-profit institutions. Gengsheng currently lives with her husband and two children in New York.
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. Clients 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 Smith Barney LLC. Member SIPC.
(CRD# 3054650; 05/01/2020)
Securities Agent: AR, NY, MD, DE, AZ, AL, RI, NH, NC, CT, WY, WA, GA, CO, WV, WI, VI, UT, PA, MI, IN, VT, OH, NE, ND, MA, IL, HI, FL, SD, PR, NV, MN, NJ, DC, CA, VA, TN, SC, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1638793
NMLS#: 1638793
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.
LONGHAVEN GROUP AT MORGAN STANLEY
Inspired by the spirit of the Dragon (pronounced "long" in Chinese), a symbol of power, wisdom, good fortune, and strength, the LongHaven Group embodies these qualities in its mission to grow and safeguard family wealth across generations, regardless of market cycles.
Navigating Volatile Markets and Life's Complexities
Financial markets are volatile, life brings its own challenges. At LongHaven Group, we believe the right partner can help you navigate complex decisions and optimize your well-being. We care deeply. We work hard. We strive to bring you financial peace of mind so you can focus on what matters most to you.
Tailoring Wealth Management for Global Families
With our diverse backgrounds and intimate understanding of Asian cultures, we cater to UNHW global families with net worths ranging from $20 million to $2 billion, delivering tailored wealth management services that transcend borders. Our native Mandarin and Cantonese speaking advisors, investment analysts, and service professionals seamlessly connect our clients' unique needs with Morgan Stanley's premier offerings worldwide.
Ensuring Financial Legacy for Generations
Our team is skilled in working across generations to support the goals and aspirations of our clients and their families. Wealth transfer is a complex process, especially when clients face the added challenge of navigating multi-jurisdiction and tax regime differences among family members. We collaborate with top tier international tax attorneys and CPAs who specialize in simplifying this process, effectively ensuring financial success and security for generations.
Harnessing Morgan Stanley's Investment Resources
Our team, leveraging Morgan Stanley's vast intellectual capital and global resources--including highly rated analysts, economists, and strategists-- strengthens our investment process. With over 60 years of collective experience in macro research, asset allocation, hedge fund trading, and private markets, we are well-equipped to navigate through market cycles and volatilities. Investing over the long-term requires both patience and courage; as trusted partners, we deliver value through our extensive research capabilities and market experience, maximizing the full potential of Morgan Stanley's resources.
Please reach out if you would like to learn more about working with us.
Not all products and services are available in all jurisdictions or countries.
International Wealth Management
International Wealth Management is a specialized area within Morgan Stanley Wealth Management that is dedicated to serving individuals, families, family offices, entrepreneurs, corporate executives and corporate stock plan managers who live outside the United States. We also serve US citizens living and working abroad as well as those who are relocating to the United States or otherwise changing domicile.
We are based in offices throughout the United States, but often specialize in a specific country or region, and typically speak the client's language, understand the culture and have a deep knowledge of the markets we serve. Combining our investment knowledge with the resources and intellectual capital of Morgan Stanley, we deliver targeted solutions that help our clients pursue their goals and address their unique financial needs.
We may be able to provide you access to:
- An open architecture platform that includes leading asset management firms, giving you access to unaffiliated third party managers and their teams.
- Thematic investing ideas and asset allocation models from Morgan Stanley's Global Investment Committee, guiding your overall portfolio allocation.
- Customized lending solutions from Morgan Stanley Private Bank, National Association, addressing your financing needs.
- Dedicated specialists in wealth transfer, philanthropy, family dynamics, concierge and lifestyle advisory services, and other family office capabilities, supporting the non-financial needs you may have.
Disclaimer:
Not all products and services are available to clients outside of the United States.
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.
CRC 3430115 05/22
Location
55 East 52nd Street 10th
11th Floor
New York, NY 10055
US
Direct:
(212) 468-4548(212) 468-4548
Toll-Free:
(800) 323-7788(800) 323-7788
Meet My Team
Briana Zhang 张琰
CFA - Wealth Management Analyst
Phone:
(212) 468-4523(212) 468-4523
Sophia Cao 曹雪
Client Service Associate
Phone:
(212) 692-2892(212) 692-2892
Jake Hu
About Tania Espinal
Tania Espinal joined Morgan Stanley as a Client Service Associate in 2015 and assists both Financial Advisors and Clients with administrative and operational support. Tania is fluent in Spanish and helps cover international clients.Prior to joining the firm, she worked for several retail banks accumulating more than 10 years + financial services industry experience. Tania graduated from Baruch College in 2013 with a Bachelor of Science in Operations Management and a minor in Spanish.
About Briana Zhang 张琰
Briana Zhang is a member of the Family Office practice within the BlueStone Wealth Management Group at Morgan Stanley. Briana provides clients with customized reporting and assists with risk measurement and portfolio construction. By way of her background, she has a particular focus on alternative investment and fixed income management.Briana began her career at UBS Wealth Management where she worked in fixed income sales and research. She later joined Goldman Sachs Asset Management in its Alternative Investments & Manager Selection group conducting due diligence on fixed income managers. Her latest role was at UBS O’Connor where she oversaw all aspects of client service for the firm?s first private credit fund.Briana graduated from the University of North Carolina at Chapel Hill. She is a Chartered Financial Analyst (CFA) charterholder.
About Sophia Cao 曹雪
Sophia Cao is a member of the Family Office practice within the BlueStone Wealth Management
Group at Morgan Stanley. She focuses on assisting ultra-high net worth Chinese families and
institutions. Her regular duties include client onboarding, client account maintenance, concierge
services, client events and general support for the team.
Before joining Morgan Stanley, Sophia worked both in Beijing and New York, including Tsinghua
University, Soho China and Christie’s Auction House. Sophia graduated from Baruch College in
New York with a B.A. in financial mathematics. She is a native Mandarin speaker.
Group at Morgan Stanley. She focuses on assisting ultra-high net worth Chinese families and
institutions. Her regular duties include client onboarding, client account maintenance, concierge
services, client events and general support for the team.
Before joining Morgan Stanley, Sophia worked both in Beijing and New York, including Tsinghua
University, Soho China and Christie’s Auction House. Sophia graduated from Baruch College in
New York with a B.A. in financial mathematics. She is a native Mandarin speaker.
Private Wealth Management
Professional Insights
On the Markets
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
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.
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan 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
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) 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 | Morgan Stanley
1Morgan 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
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) 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 | Morgan Stanley
CRC 4237142 (02/2025)
