Marc Lock
Executive Director, Financial Advisor, Senior Investment Management Consultant, Financial Planning Specialist
Phone:
(520) 745-7031(520) 745-7031
LGG Wealth Management Group at Morgan Stanley
(520) 745-7009(520) 745-7009
Toll-Free:
(800) 347-3130(800) 347-3130
Our Mission Statement
To deliver comprehensive wealth management guidance and lifestyle advisory resources to our clients and their families to help them create, enjoy, and continue their legacy.
Our Story
Your life is a journey, a succession of milestones and decisions shaped by your unique vision of the future. When it comes to your wealth, the decisions you make today may have a lasting impact on your family, your financial life and your legacy. We understand that long-term planning involves anticipating the future of present decisions. Our goal is to help you make present decisions - informed, confident choices about the wealth you've worked so hard to achieve.
A Comprehensive Approach to Wealth Management
Your family's wealth goes far beyond stocks, bonds and cash. Your wealth may include a family business, real estate holdings, an art collection, philanthropic endeavors, your involvement in the community and even the time you spend together as a family. All of these things matter and should be incorporated into any wealth management strategy.
A Deep Understanding of the Dynamics of Family Wealth
As a multi-generational team of dedicated financial professionals, we know that managing family wealth is a big responsibility. But, it's not one that you have to shoulder alone. By combining our diverse experience, knowledge and perspectives with the resources of one of the world's leading financial firms, we help you organize, simplify and manage your financial life, so you can focus on what really matters - leading a purposeful life and having a generational impact.
A Commitment to Your Family's Financial Wellbeing
Like you, we are stewards of your wealth. We make time to listen to what's important to you, and we are committed to helping you pursue your financial goals and financial wellbeing through all the chapters of your life. Wealth planning is far more than a series of transactions - it's a long-term relationship, built on trust, communication and a coordinated effort that involves your entire family and all of your professional advisors.
We measure success by the quality of our planning process, service, and long-term relationships with clients and their families.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- Trust ServicesFootnote5
- Philanthropic ManagementFootnote6
- Endowments and FoundationsFootnote7
- Lending Products
- Alternative InvestmentsFootnote8
- Municipal BondsFootnote9
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
- 401(k) Rollovers
- Sustainable InvestingFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
“Long-range planning does not deal with future decisions, but with the future of present decisions.” - Peter Drucker
We have developed a client-focused process that integrates individualized investment decision-making with your unique financial needs and aspirations.
Whether you are planning for retirement, taking income in retirement, creating or reviewing your estate plan or clarifying your charitable intentions, the decisions you make today will have an impact on your financial future. With our emphasis on a long-term, goal-oriented approach to wealth management, we can serve as a central point of coordination - helping you organize investment management, planning and other resources as part of a comprehensive approach.
A Long-Term Relationship: As a multi-generational, experienced team with an established succession plan, we offer the stability and longevity you seek in a trusted advisor. We have also dedicated considerable time to earning professional designations that help ensure we can provide you with the investment and advisory knowledge you require to address your myriad, often complex, needs.
Our Commitment to You: We are committed to providing you with objective advice, protecting your best interests, communicating openly and developing a meaningful, lifelong relationship with you and your family.
Whether you are planning for retirement, taking income in retirement, creating or reviewing your estate plan or clarifying your charitable intentions, the decisions you make today will have an impact on your financial future. With our emphasis on a long-term, goal-oriented approach to wealth management, we can serve as a central point of coordination - helping you organize investment management, planning and other resources as part of a comprehensive approach.
A Long-Term Relationship: As a multi-generational, experienced team with an established succession plan, we offer the stability and longevity you seek in a trusted advisor. We have also dedicated considerable time to earning professional designations that help ensure we can provide you with the investment and advisory knowledge you require to address your myriad, often complex, needs.
Our Commitment to You: We are committed to providing you with objective advice, protecting your best interests, communicating openly and developing a meaningful, lifelong relationship with you and your family.
Personal Review
Before we issue any recommendations, we conduct an extensive fact-finding mission to understand your goals, time horizon, attitude toward risk and other circumstances that may play a role in shaping your investment strategy.
Asset Allocation and Portfolio Planning
We analyze your input and develop an investment strategy that helps you meet your specific needs in areas such as retirement, education and estate planning, as well as tax-minimization strategies. We then present to you a comprehensive plan that helps to identify appropriate diversification strategies.
Plan Implementation
After presenting you with a detailed strategy for your portfolio, we work closely with you to bring the elements of that strategy to life.
Explore our solutionsThe Significance of a Family Wealth Director
The LGG Wealth Management Group's Family Wealth Director, Wayne Griffith, and Family Wealth Advisor, Aditi Gupta, leverage the extensive resources of Morgan Stanley to help our clients to maximize the value of their capital by driving family wealth education, helping families support financial education across generations and connect family members to appropriate resources and guidance.
Philanthropy Management
We provide our clients with a smart way to give to causes and charities they care about through Morgan Stanley GIFT. Our donor advised fund, GIFT, is a 501(c)(3) public charity structured to offer you a simple, thoughtful and tax-advantageous way to support your favorite charities.
Learn More about MS GIFT
Estate and Gift Taxes
Our team is here to help you navigate estate and gift taxes. Click on the link below to learn more about the federal and estate gift tax, exemptions, federal annual gift, and more.
Watch the Video Here
Wealth and Estate Planning Series
Explore a series of educational videos covering topics such as Foundational Estate Planning Documents, Estate & Gift Taxes, Grantor Retained Annuity Trusts (GRATs), Irrevocable Life Insurance Trusts and more.
Watch the Video HereA Retirement Plan That Evolves With You
We will work with you to create and periodically review an individualized retirement plan that evolves with each stage of life - adjusting investment strategies to reflect your personal goals, preferences, legacy aspirations, and significant life events.
Our process starts with a thoughtful conversation to understand your current situation and long-term goals. From there, we craft a tailored financial plan designed to support your goals today and adjust as your needs evolve over time. Your comprehensive plan will cover key areas including:
Retirement Planning
Helping you map a comprehensive retirement plan that dynamically adjusts investing strategies based on the different stages of your life and accounts for your investing preferences, legacy goals and important life events.
Managing your Investments
We help take care of your retirement accounts and other investments based on your risk tolerance, tax circumstances, and preferences. We tailor your financial strategy to your unique situation, needs, and goals.
Managing your Debt
We review your mortgage, loans, credit cards, and any other debts that you may have in order to understand your financial picture, and help determine where you can save and create a timeline for your debt payments.
Awards, Licenses, and Certifications
CFP® (Certified Financial Planner)
Held by our partners Wayne Griffith and Aditi Gupta, a CFP® designation indicates in-depth knowledge of the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance.
CIMA® (Certified Investment Management Analyst®)
Held by our partner McKinley Griffith, a CIMA® designation indicates a focus on asset allocation, manager search and selection, investment policy and performance measurement; while also specializing in advanced portfolio construction, accounting and risk management.
RICP® (Retirement Income Certified Professional)
Held by our partner Aditi Gupta, a RICP® designation indicates a specialization in retirement income planning. RICPs can help advise retirees and near-retirees as to the best way to use the assets they have accumulated for retirement to live comfortably within a realistic budget and not run out of money prematurely.
Family Wealth Director
Held by our partner Wayne Griffith, this Morgan Stanley credential denotes a knowledge of family-centered estate planning, families and charity, and family businesses, as well as a proven capacity to hold productive discussions that assist families in understanding and passing on wealth from one generation to the next.
Financial Planning Specialist
Held by our partners Marc Lock and Aditi Gupta, advisors having the advanced training required to solve the wide range of financial difficulties high net worth individuals have are awarded this Morgan Stanley credential.
Portfolio Management Director
Held by our partner Eric Boos, only a small number of financial advisors are qualified to provide direct portfolio management services to their clients..
Investment Management Consultant
Held by our partners Marc Lock and Wayne Griffith, investment management consultants do in-depth work on formulating investment strategies for clients, helping them fulfill their needs and reach their financial goals.
Location
7175 N Pima Canyon Dr
Tucson, AZ 85718
US
Direct:
(520) 745-7009(520) 745-7009
Toll-Free:
(800) 347-3130(800) 347-3130
Meet LGG Wealth Management Group
Wayne F Griffith, CFP®
Executive Director, Financial Advisor, Family Wealth Director, Senior Investment Management Consultant
Phone:
(520) 745-7063(520) 745-7063
Aditi Gupta, CFP®, RICP®
Senior Vice President, Financial Advisor, Family Wealth Advisor, Financial Planning Specialist
Phone:
(520) 745-7059(520) 745-7059
Eric B Boos
Senior Vice President, Financial Advisor, Portfolio Management Director, Financial Planning Specialist
Phone:
(520) 745-7062(520) 745-7062
McKinley Griffith, CIMA®
Vice President, Financial Advisor
Phone:
(520) 519-2301(520) 519-2301
Carolyn M. Sitkowski
Assistant Vice President, Group Director
Phone:
(520) 745-7038(520) 745-7038
Vicki Adams
Portfolio Associate
Phone:
(520) 878-1993(520) 878-1993
Paxton Holmes
Senior Registered Client Service Associate
Phone:
(520) 745-7028(520) 745-7028
About Marc Lock
Since 1987, Marc has been helping individuals and non-profit organizations manage their wealth to achieve their goals. A believer in the value of lifelong learning, he has earned Financial Planning Specialist and Senior Investment Management Consultant designations. These accomplishments reflect the standard of excellence and ethical responsibility Marc brings to helping clients develop and implement comprehensive wealth management plans that consider all aspects of their financial lives.
Marc joined the Consulting Group at Morgan Stanley in 2001. He began his financial career at Merrill Lynch, Pierce, Fenner & Smith in 1987. During his tenure there, he served as the Western Region Liaison to the Advisory Council to Management, was a member of the firm’s Chairman’s Club, and acted as an advisor to the classroom programs for the Arizona Council for Economic Education, The Stock Market Games. He also earned his Certified Financial Manager designation from the Donald T. Regan School of Advanced Financial Management in Princeton.
Marc has been invited to speak at various corporate events on a variety of topics, including Modern Portfolio Theory and The Efficient Frontier, How to Make Effective Board Decisions, Fiduciary Duties as Trustees of Non-Profit Organizations, Pitfalls of Investor Psychology, Capital Markets Historical Perspectives. He is also an active member of the Investment and Wealth Institute, the Association of Professional Investment Consultants and Pepperdine University’s Institute for Preparing Heirs.
Born and raised in Tucson, Arizona, Marc attended the University of Arizona and currently lives in Tucson with his wonderful wife and two children. He considers family his single most valuable asset.
Marc joined the Consulting Group at Morgan Stanley in 2001. He began his financial career at Merrill Lynch, Pierce, Fenner & Smith in 1987. During his tenure there, he served as the Western Region Liaison to the Advisory Council to Management, was a member of the firm’s Chairman’s Club, and acted as an advisor to the classroom programs for the Arizona Council for Economic Education, The Stock Market Games. He also earned his Certified Financial Manager designation from the Donald T. Regan School of Advanced Financial Management in Princeton.
Marc has been invited to speak at various corporate events on a variety of topics, including Modern Portfolio Theory and The Efficient Frontier, How to Make Effective Board Decisions, Fiduciary Duties as Trustees of Non-Profit Organizations, Pitfalls of Investor Psychology, Capital Markets Historical Perspectives. He is also an active member of the Investment and Wealth Institute, the Association of Professional Investment Consultants and Pepperdine University’s Institute for Preparing Heirs.
Born and raised in Tucson, Arizona, Marc attended the University of Arizona and currently lives in Tucson with his wonderful wife and two children. He considers family his single most valuable asset.
Securities Agent: LA, NV, OR, NE, VT, WY, TN, IL, FL, WV, WI, WA, VA, UT, TX, SD, SC, PA, OK, OH, NY, NM, NJ, NH, NC, MT, MO, MI, ME, MD, MA, KY, KS, IN, ID, HI, GA, DE, DC, CT, CO, CA, AZ, AL, AK, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1428679
NMLS#: 1428679
About Wayne F Griffith
Wayne provides advice and counsel to successful individuals, families, business owners and non-profit organizations. Combining knowledge and technology with the extensive resources and intellectual capital of Morgan Stanley, he delivers comprehensive and thoughtful wealth management strategies to help clients navigate the complexities and serving as a financial steward. An advocate for financial literacy, he will take the time to translate financial jargon into understandable terms for you. He believes that better-informed clients will make better decisions.
Wayne has earned the Morgan Stanley Family Wealth Director designation, placing him among a very select group of advisors at the firm who have demonstrated a sophisticated approach to the complex dynamics involved in managing family wealth.
Additionally, Wayne has earned the Senior Investment Management Consultant and the CERTIFIED FINANCIAL PLANNER™ designations.
Wayne holds a Master of Science degree in Mineral Economics and a Bachelor of Science degree in Geology, both from the University of Arizona. He is a member of the Association of Professional Investment Consultants and the Financial Planning Association.
Wayne and his wife, Linda, have been married since 1984. The have three adult children and four grandchildren. An involved member of the community, Wayne has served on various local and national non-profit organization boards and is active in charitable giving across a variety of areas of interest, including special needs.
Wayne has earned the Morgan Stanley Family Wealth Director designation, placing him among a very select group of advisors at the firm who have demonstrated a sophisticated approach to the complex dynamics involved in managing family wealth.
Additionally, Wayne has earned the Senior Investment Management Consultant and the CERTIFIED FINANCIAL PLANNER™ designations.
Wayne holds a Master of Science degree in Mineral Economics and a Bachelor of Science degree in Geology, both from the University of Arizona. He is a member of the Association of Professional Investment Consultants and the Financial Planning Association.
Wayne and his wife, Linda, have been married since 1984. The have three adult children and four grandchildren. An involved member of the community, Wayne has served on various local and national non-profit organization boards and is active in charitable giving across a variety of areas of interest, including special needs.
Securities Agent: WV, WI, WA, VA, UT, TX, TN, PA, OR, OK, NY, NV, NM, NJ, NH, NE, NC, MT, MO, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, HI, GA, OH, FL, DE, DC, CT, CO, CA, AZ, VT, AL, AK, MN, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1274474
NMLS#: 1274474
About Aditi Gupta
As a financial professional and active community volunteer, Aditi understands the complex demands facing today’s successful business and civic leaders. She is committed to helping individuals and families enhance the potential of their wealth through thoughtful, goals-based planning. Aditi delivers a personalized and holistic approach to wealth planning—helping clients clarify what matters most, developing a carefully designed strategy, coordinating with their other professional advisors, and providing access to the extensive resources of Morgan Stanley.
Reflecting her ongoing commitment to client service, Aditi has earned the CERTIFIED FINANCIAL PLANNER™ designation, the Retirement Income Certified Professional® designation, and the Morgan Stanley Family Wealth Advisor credential.
Aditi joined Morgan Stanley in 2008. She began her career in financial services in banking, but was drawn to financial advisory for the opportunity to educate clients and make a meaningful difference in their lives.
Born and raised in India, Aditi spent her early years in the United States in San Francisco, California, where she worked for a leading financial firm and earned a Master’s degree in Financial Analysis. She also holds a Bachelor’s degree in Business Management, with a minor in Accounting.
Aditi and her husband have two children and enjoy being part of the Tucson community. Deeply committed to giving back, she has been involved with a number of local organizations, including the Junior League of Tucson and the India Society of Southern Arizona, where she served as a Board Member and President. She also served for nearly a decade as a Board Member and President of Tu Nidito Children & Family Services, a Tucson-based organization dedicated to fostering acceptance, support, and understanding for children experiencing grief. Aditi currently serves on the Board of the Catalina Foothills School District Foundation.
Reflecting her ongoing commitment to client service, Aditi has earned the CERTIFIED FINANCIAL PLANNER™ designation, the Retirement Income Certified Professional® designation, and the Morgan Stanley Family Wealth Advisor credential.
Aditi joined Morgan Stanley in 2008. She began her career in financial services in banking, but was drawn to financial advisory for the opportunity to educate clients and make a meaningful difference in their lives.
Born and raised in India, Aditi spent her early years in the United States in San Francisco, California, where she worked for a leading financial firm and earned a Master’s degree in Financial Analysis. She also holds a Bachelor’s degree in Business Management, with a minor in Accounting.
Aditi and her husband have two children and enjoy being part of the Tucson community. Deeply committed to giving back, she has been involved with a number of local organizations, including the Junior League of Tucson and the India Society of Southern Arizona, where she served as a Board Member and President. She also served for nearly a decade as a Board Member and President of Tu Nidito Children & Family Services, a Tucson-based organization dedicated to fostering acceptance, support, and understanding for children experiencing grief. Aditi currently serves on the Board of the Catalina Foothills School District Foundation.
Securities Agent: FL, NE, NV, LA, UT, OR, WI, IL, WY, WV, WA, VT, VA, TX, TN, PA, OK, OH, NY, NM, NJ, NH, NC, MT, MO, MI, ME, MD, MA, KY, KS, IN, ID, HI, GA, DE, DC, CT, CO, CA, AZ, AL, AK, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1278804
CA Insurance License #: 0E61865
NMLS#: 1278804
CA Insurance License #: 0E61865
About Eric B Boos
Eric has been an adviser at Morgan Stanley and its predecessor firms for more than 30 years. He has provided advice and counsel to clients through numerous economic and market cycles and understands how important a trusted adviser can be to help clients navigate through these periods. He believes that the best advice client’s often receive is simply re-affirming their goals and re-evaluating their current financial situation.
Having earned the Financial Planning Specialist designation, Eric provides goals based financial planning to high net worth individuals and their families. He helps clients set realistic goals when making financial decisions including; budgeting, retirement planning, saving for education, insurance, and estate planning strategies.
As a Senior Portfolio Manager, Eric carefully follows the financial markets and constantly analyzes and evaluates individual company characteristics when developing an appropriate asset allocation strategy and customized portfolio for clients.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 legal matters.
Having earned the Financial Planning Specialist designation, Eric provides goals based financial planning to high net worth individuals and their families. He helps clients set realistic goals when making financial decisions including; budgeting, retirement planning, saving for education, insurance, and estate planning strategies.
As a Senior Portfolio Manager, Eric carefully follows the financial markets and constantly analyzes and evaluates individual company characteristics when developing an appropriate asset allocation strategy and customized portfolio for clients.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 legal matters.
Securities Agent: NM, AL, SC, OH, NE, MT, PA, IL, HI, MD, IN, ID, CO, UT, NV, MI, DE, WI, WA, TX, OR, NJ, MN, CA, WV, MO, KS, GA, AK, VA, TN, OK, LA, CT, MA, KY, FL, AZ, WY, NY, NH, NC, DC, VT, RI, ME; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1275751
NMLS#: 1275751
About McKinley Griffith
As a financial professional McKinley understands the demands placed on today’s successful families. He is committed to helping manage the emotional decisions around money and investing to enhance the potential of their wealth. He offers a personalized and holistic approach to wealth planning that focuses on client behavior. His process helps clients identify their unique goals and encompasses a carefully designed strategy for their current and future needs.
McKinley joined Morgan Stanley in 2014. He was drawn to the financial advisor role for the opportunity to educate clients through financial planning and make a positive difference in their lives. The resources at Morgan Stanley allow him to coordinate with other professionals, bringing the best ideas and solutions to his clients.
Born and raised in Tucson, Arizona, McKinley attended the University of Arizona and currently lives in Tucson with his wonderful wife and two children. He enjoys time outside with his family playing sports, traveling and time in the garage working on cars.
McKinley joined Morgan Stanley in 2014. He was drawn to the financial advisor role for the opportunity to educate clients through financial planning and make a positive difference in their lives. The resources at Morgan Stanley allow him to coordinate with other professionals, bringing the best ideas and solutions to his clients.
Born and raised in Tucson, Arizona, McKinley attended the University of Arizona and currently lives in Tucson with his wonderful wife and two children. He enjoys time outside with his family playing sports, traveling and time in the garage working on cars.
Securities Agent: OK, OR, PA, TN, TX, UT, VA, VT, WA, WI, WV, WY, IN, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, KS, KY, LA, MN, MA, MD, ME, MI, MO, MT, NC, NE, NH, NJ, NM, NV, NY, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1310731
NMLS#: 1310731
About Carolyn M. Sitkowski
Carolyn Sitkowski, Business Development Associate, joined Dean Witter (now Morgan Stanley) in 1986. Carolyn is a San Francisco, California native, though she now calls Tucson, Arizona home. She brings 35 years of experience in the industry, and holds her Series 7, Series 63, and Series 66.
In her free time, Carolyn enjoys hiking and spending time with her family.
In her free time, Carolyn enjoys hiking and spending time with her family.
About Vicki Adams
Vicki Adams, Portfolio Associate, joined Morgan Stanley in 2014. Before joining the LGG Wealth Management Group at Morgan Stanley, Vicki worked as a Legal Secretary for 30 years. She currently resides in Tucson, Arizona. She holds her Series 7 and Series 66.
About Paxton Holmes
Born and raised in Tucson, Arizona, Paxton is an experienced financial professional with over 10 years of experience in the industry. He is devoted to helping people with their financial goals and is committed to building lasting and meaningful relationships with clients. Paxton holds his Series 6, Series 63, Series 66, and Series 7.
In his free time, Paxton enjoys going to the gym, spending time with his 2 children, and watching Marvel movies.
In his free time, Paxton enjoys going to the gym, spending time with his 2 children, and watching Marvel movies.
Contact Marc Lock
*Required Fields
Contact Wayne F Griffith
*Required Fields
Contact Aditi Gupta
*Required Fields
Contact Eric B Boos
*Required Fields
Contact McKinley Griffith
*Required Fields
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
Rick Dombrowski
Private Banker
About Rick Dombrowski
Rick Dombrowski is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona.
Private Bankers partner with 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.
Rick began his career in financial services in 1996, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Private Banker at BBVA Compass. He also served as a Credit Analyst,
Private Banker and Regional Credit Manager at Wells Fargo Bank, N.A.
Rick is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Scottsdale, Arizona with his family. Outside of the office, Rick enjoys music, skiing, and traveling.
Private Bankers partner with 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.
Rick began his career in financial services in 1996, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Private Banker at BBVA Compass. He also served as a Credit Analyst,
Private Banker and Regional Credit Manager at Wells Fargo Bank, N.A.
Rick is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Scottsdale, Arizona with his family. Outside of the office, Rick enjoys music, skiing, and traveling.
NMLS#: 512436
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and 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
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
Iran Conflict: Seven Takeaways for Investors
Article Image
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
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 LGG Wealth Management Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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 or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When 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. Individuals 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan 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.
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 and other legal matters.
6Products 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.
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.
7Morgan 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.
8Alternative 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.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Investing 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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 or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When 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. Individuals 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan 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.
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 and other legal matters.
6Products 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.
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.
7Morgan 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.
8Alternative 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.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Investing 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
