Kevin Cueva
Associate Private Banker
Justin Souter, CRPS®, CEPA®
First Vice President - Wealth Management, Corporate Retirement Director,
Financial Advisor
Direct:
(916) 984-3329(916) 984-3329
My Mission Statement
As your Financial Advisor, I can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, I can help you to preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
My Story and Services
As part of the MosaicPointe Wealth Management Group, Justin brings over 20 years of experience working closely with individuals, families, and companies. He is multi-faceted in his services with his main goal being to help his clients achieve their financial goals. His efforts are focused on providing the highest level of services regarding family wealth management, corporate qualified plan administration, business transition and exit planning strategies.
With his first five years spent on the operational side of the industry, Justin has a unique understanding and appreciation of the small details that go into creating, maintaining and overseeing a comprehensive financial plan. He works diligently to keep his clients informed of current market conditions so that they can remain confident and focused on their long term goals. Justin has earned the respected designations of Corporate Retirement Director, Chartered Retirement Plans Specialist ® and Certified Exit Planning Advisor ® further illustrating his knowledge and experience in the world of retirement strategy.
In 2022, Justin traded the sandy beaches of San Diego for a more rural lifestyle in Northern California. He and his wife, Kendall, who met while studying at UC Davis, have 5 amazing children and count themselves newly minted hobby micro farmers. Outside of the office, he enjoys coaching his kids’ various sports teams, taking quick trips up to Lake Tahoe, and the occasional round of golf. While family is his biggest pride and joy, his work and the relationships he has created with clients for over two decades are a close second.
With his first five years spent on the operational side of the industry, Justin has a unique understanding and appreciation of the small details that go into creating, maintaining and overseeing a comprehensive financial plan. He works diligently to keep his clients informed of current market conditions so that they can remain confident and focused on their long term goals. Justin has earned the respected designations of Corporate Retirement Director, Chartered Retirement Plans Specialist ® and Certified Exit Planning Advisor ® further illustrating his knowledge and experience in the world of retirement strategy.
In 2022, Justin traded the sandy beaches of San Diego for a more rural lifestyle in Northern California. He and his wife, Kendall, who met while studying at UC Davis, have 5 amazing children and count themselves newly minted hobby micro farmers. Outside of the office, he enjoys coaching his kids’ various sports teams, taking quick trips up to Lake Tahoe, and the occasional round of golf. While family is his biggest pride and joy, his work and the relationships he has created with clients for over two decades are a close second.
Securities Agent: MA, OR, IA, TN, NC, FL, AZ, OK, NY, NM, NH, GA, NV, WY, OH, DE, CO, AK, WA, MT, MN, NJ, HI, UT, SD, SC, ID, CA, WI, TX, MI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2379441
CA Insurance License #: 0E47925
NMLS#: 2379441
CA Insurance License #: 0E47925
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Client Service Team
Shelly Tolle - Senior Client Service Associate
Phone:
(916) 984-3302(916) 984-3302
Email:shelly.tolle@morganstanley.com
Shelly Tolle - Senior Client Service Associate
Phone:
(916) 984-3302
Email:shelly.tolle@morganstanley.com
Shelly is a Senior Client Service Associate with over 32 years’ experience in the financial services industry. Shelly is uniquely qualified to handle the full spectrum of her client’s service needs. She dedicates herself to make sure that she anticipates the needs and concerns of her clients before they ask, giving them the confidence that their financial well being is constantly looked out for. Shelly spent the first 20 years of her career in an Operational/Complex Administrator role. Shelly credits this experience with helping her gain a bigger picture of the wealth management industry and the important role a client service team plays in giving client’s financial confidence.
Her vast experience helps the team consistently deliver the highest level of personalized service that all clients deserve. Shelly’s passion for wealth management is rooted in her mission to provide service that is beyond ordinary. Regardless of the question, her motivation is knowing that clients place trust in what she does and that they truly value her guidance.
Shelly currently resides in El Dorado Hills, CA with her husband Ron; they have 3 adult sons. Outside of the office, Shelly enjoys spending time with her family, traveling, hiking, gardening and reading.
Phone:
(916) 984-3302
Email:shelly.tolle@morganstanley.com
Shelly is a Senior Client Service Associate with over 32 years’ experience in the financial services industry. Shelly is uniquely qualified to handle the full spectrum of her client’s service needs. She dedicates herself to make sure that she anticipates the needs and concerns of her clients before they ask, giving them the confidence that their financial well being is constantly looked out for. Shelly spent the first 20 years of her career in an Operational/Complex Administrator role. Shelly credits this experience with helping her gain a bigger picture of the wealth management industry and the important role a client service team plays in giving client’s financial confidence.
Her vast experience helps the team consistently deliver the highest level of personalized service that all clients deserve. Shelly’s passion for wealth management is rooted in her mission to provide service that is beyond ordinary. Regardless of the question, her motivation is knowing that clients place trust in what she does and that they truly value her guidance.
Shelly currently resides in El Dorado Hills, CA with her husband Ron; they have 3 adult sons. Outside of the office, Shelly enjoys spending time with her family, traveling, hiking, gardening and reading.
Location
2365 Iron Point Road
Ste 235
Folsom, CA 95630
US
Direct:
(916) 984-3329(916) 984-3329
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
About Kevin Cueva
Kevin Cueva is an Associate Private Banker serving Morgan Stanley Wealth Management offices in California and Hawaii.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kevin began his career in financial services in 2012, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Advisor at JP Morgan Chase.
Kevin is a graduate of the University of California, Davis, where he received a Bachelor of Arts in Communications. He lives in Oakland, California with his family. Outside of the office, Kevin enjoys traveling and playing sports.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kevin began his career in financial services in 2012, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Advisor at JP Morgan Chase.
Kevin is a graduate of the University of California, Davis, where he received a Bachelor of Arts in Communications. He lives in Oakland, California with his family. Outside of the office, Kevin enjoys traveling and playing sports.
NMLS#: 949442
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
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
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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
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- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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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
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- Impact Investing
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Justin Souter 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.
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.
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.
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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.
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.
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.
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CRC 4665150 (8/2025)
