Emilio de Sousa
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(408) 947-2209(408) 947-2209
Morgan Stanley Private Wealth Management
Skyline Private Wealth Management Group
Emilio de SousaAllan WalsworthJason MoyersPhillip Moehrke, CFA, CFP®, CAIAAaron JangMelissa BarneyKim Grubisich
Direct:
(408) 947-2213(408) 947-2213
Industry Award WinnerOur Mission Statement
Delivering tailored expertise and comprehensive resources to help families manage complexity with confidence and clarity.
Our Story and Services
We are a multi-generational team bound by one mission: to elevate our clients’ financial lives through our deep experience, diverse insight , and unwavering values.
At the heart of our practice are high net worth individuals, families, endowments, and foundations. This select group is based throughout the country and abroad. They range from entrepreneurs, business owners, and senior executives of public companies, to individuals in retirement and multigenerational families navigating life’s most pivotal transitions.
We position ourselves as a financial round table in our clients’ lives –– leveraging the unique perspectives and targeted skillsets of our team, as well as the vast global resources of Morgan Stanley, one of the largest, most well-respected wealth management firms in the world. Together, we analyze our clients’ lives from every angle, and help provide comprehensive solutions that account for their financial goals, assets, liabilities, family dynamics, and legacy.
While ongoing financial planning, portfolio management, and tax alpha optimization are the pillars of our practice, our approach is centered on delivering an unparalleled client service experience. We seek to serve as a virtual family office, a trusted and ever-present guide to help address the full spectrum of their financial needs — from the smallest administrative tasks to the most complex financial decisions.
Forbes named us a Best-in-State Wealth Management Team in 2023-2026, Barron’s Top 250 Private Wealth Management Teams for 2024 & 2025. But more than awards, we pride ourselves on the ways we enhance our clients’ lives, helping them achieve their objectives, secure their families, and step into their futures with clarity.
At the heart of our practice are high net worth individuals, families, endowments, and foundations. This select group is based throughout the country and abroad. They range from entrepreneurs, business owners, and senior executives of public companies, to individuals in retirement and multigenerational families navigating life’s most pivotal transitions.
We position ourselves as a financial round table in our clients’ lives –– leveraging the unique perspectives and targeted skillsets of our team, as well as the vast global resources of Morgan Stanley, one of the largest, most well-respected wealth management firms in the world. Together, we analyze our clients’ lives from every angle, and help provide comprehensive solutions that account for their financial goals, assets, liabilities, family dynamics, and legacy.
While ongoing financial planning, portfolio management, and tax alpha optimization are the pillars of our practice, our approach is centered on delivering an unparalleled client service experience. We seek to serve as a virtual family office, a trusted and ever-present guide to help address the full spectrum of their financial needs — from the smallest administrative tasks to the most complex financial decisions.
Forbes named us a Best-in-State Wealth Management Team in 2023-2026, Barron’s Top 250 Private Wealth Management Teams for 2024 & 2025. But more than awards, we pride ourselves on the ways we enhance our clients’ lives, helping them achieve their objectives, secure their families, and step into their futures with clarity.
Relationships by Industry
- 56% Technology/Telecommunications
- 17% Healthcare
- 10% Professional Services
- 7% Finance
- 5% Manufacturing
- 5% Real Estate
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 300 teams specialized in assisting individuals and families with $20MM+ in investable assets
- Over $1.2 trillion in AUM
- Comprising 26% of the Barron’s Top 100 Financial Advisors list for 2025
- 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, September 2025
Source: Barron's (Awarded March 2025) This ranking was determined based on an evaluation process conducted by Barron's for the period Oct 2023-Sept 2024. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on an algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the assessment of Barron's and 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.
Our Partnerships
Our clients include many of Silicon Valley’s most influential leaders. We partner with them and their families to help align wealth decisions with business ambitions and philanthropic intent, serving as a trusted thought partner to help protect and extend their legacy.
Public Company Senior Executives
We provide specialized support for C-suite executives navigating both personal and corporate financial complexity, with a focus on sophisticated strategies for managing concentrated equity positions. Our team helps executives design and implement 10b5-1 plans to support orderly share disposition and risk management, while also evaluating a range of diversification approaches, such as exchange funds and hedging strategies, tailored to an executive’s objectives and constraints. We also assess incentive compensation and equity award packages, offering customized planning considerations intended to help optimize outcomes across liquidity, tax-efficient investment planning, and long-term wealth strategy.
Entrepreneurs
With decades of experience advising entrepreneurs, founders, and executives, our team helps you navigate the complex decisions that come with building a new business, and plan proactively for future liquidity events. We take a thoughtful, high-touch approach, providing timely guidance, practical resources, and informed perspective at critical moments across both your professional journey and personal financial life.
Pre-IPO Planning
We help you take the right steps to pursue your goals in a tax-efficient manner, so you can stay focused on the many demands of taking a company public. Our planning may include option exercise analysis, strategies for managing concentrated stock positions, ownership and transfer planning, and Qualified Small Business Stock (QSBS) considerations.
Business Owners
With decades of experience advising business owners and closely held enterprises, our team helps you navigate the complexities of building, operating, and ultimately transitioning a business. We provide thoughtful guidance on key decisions from cash-flow and capital strategy to risk management, succession planning, and preparing potential sales, recapitalization, or other liquidity events. At every stage, we bring practical feedback, curated resources, and a long-term perspective designed to help align your business objectives with your personal goals and legacy.
Working with Morgan Stanley’s Skyline Private Wealth Management Group
Help Simplify Your Financial Affairs
We act as a trusted thought partner, drawing on Morgan Stanley’s global resources to help make investing and financial organization more straightforward and accessible.
Stay Focused on What Matters Most
With insights from experts around the world, we help you focus on what matters, separating market signals from noise to inform confident decisions.
Manage Risk
Leveraging more than a century of collective experience advising families, we work to identify, assess, and help mitigate key risks through a disciplined strategy designed to minimize avoidable portfolio exposures.
Working to Preserve Your Assets and Personal Information
We strive to safeguard your sensitive information across Morgan Stanley Wealth Management networks and applications with a dedicated in-house cyber defense team bringing experience from government security and leading technology firms.
Plan for Continuity and Multi-Generational Impact
We have intentionally built a multigenerational team with diverse backgrounds and complementary skill sets to serve your entire family, supporting effective wealth transfer and long-term legacy planning.
Access to Unique Opportunities
Our global platform and partner network provides access to a broad range of investment strategies across public and private markets, including select opportunities not widely available.
Location
225 W Santa Clara St
Suite 900
San Jose, CA 95113
US
Direct:
(408) 947-2213(408) 947-2213
Meet Skyline Private Wealth Management Group
Allan Walsworth
Managing Director, Wealth Management, Private Wealth Advisor, Family Wealth Director
Phone:
(408) 947-2225(408) 947-2225
Jason Moyers
Executive Director, Wealth Management, Financial Advisor, Family Wealth Advisor, Insurance Planning Director, Senior Portfolio Management Director, Workplace Advisor - Equity Compensation
Phone:
(408) 947-2210(408) 947-2210
Phillip Moehrke, CFA, CFP®, CAIA
Senior Vice President, Wealth Management, Private Wealth Advisor
Phone:
(408) 947-3706(408) 947-3706
Aaron Jang
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(408) 947-2250(408) 947-2250
Melissa Barney
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(408) 947-2212(408) 947-2212
Kim Grubisich
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(408) 947-2213(408) 947-2213
Mike Hoang
PWM Assistant Vice President, Group Director
Charley LaRagione
PWM Wealth Management Analyst
Cheryl Wong
Senior Registered Client Service Associate, Cash Engagement Specialist
Alyssa Chi
Registered Client Service Associate
Renvir Gellon
Registered Client Service Associate
Max Walsworth
PWM Registered Client Service Associate, Financial Planning Specialist
Sophia Nikravesh
Client Service Associate
About Emilio de Sousa
Emilio de Sousa is a Managing Director, Wealth Management, Financial Advisor, and Senior Portfolio Management Director with The Skyline Wealth Management Group at Morgan Stanley. For over 30 years, he has been committed to guiding executives, business owners, and families through the many complexities of their financial life.
Emilio began his career as a financial advisor at Wells Fargo in 1995. In his tenure at the Firm, he established and grew a team of advisors with the breadth of experience and insight to provide clients with a truly comprehensive approach to wealth management. In 2010, he brought the team over to Morgan Stanley, seeking to enhance his offering with the resources of a global leader in financial services. In 2017, Emilio and Allan Walsworth merged their respective teams and they now oversee a team of fourteen financial professionals all working toward one mission: to provide seasoned guidance on every aspect of clients' financial lives.
As a Senior Portfolio Management Director, Emilio’s emphasis is on the capital markets and asset management -- with a special focus on aligning client portfolios with their customized financial plans. While his approach centers on his clients’ unique goals and challenges, his rigorous analysis of market conditions helps shield their wealth from volatile economic environments. That said, Emilio believes that successful wealth management extends far beyond selecting the right investment opportunities. He places a strong emphasis on comprehensive financial planning that encompasses short-term financial needs, medium-term goals, and long-term aspirations. He is committed to being an ever-present resource in his clients’ lives — a trusted guide to help them navigate their financial futures for decades, and even generations down the line.
Emilio lives in San Jose, was married for almost 22 years (widowed in 2021), has four children, three dogs and two cats. Outside the office, Emilio enjoys spending time with his kids, working out, playing basketball and being engaged in his local church. He graduated from San Jose State University with a concentration in Business Marketing and Economics.
Emilio began his career as a financial advisor at Wells Fargo in 1995. In his tenure at the Firm, he established and grew a team of advisors with the breadth of experience and insight to provide clients with a truly comprehensive approach to wealth management. In 2010, he brought the team over to Morgan Stanley, seeking to enhance his offering with the resources of a global leader in financial services. In 2017, Emilio and Allan Walsworth merged their respective teams and they now oversee a team of fourteen financial professionals all working toward one mission: to provide seasoned guidance on every aspect of clients' financial lives.
As a Senior Portfolio Management Director, Emilio’s emphasis is on the capital markets and asset management -- with a special focus on aligning client portfolios with their customized financial plans. While his approach centers on his clients’ unique goals and challenges, his rigorous analysis of market conditions helps shield their wealth from volatile economic environments. That said, Emilio believes that successful wealth management extends far beyond selecting the right investment opportunities. He places a strong emphasis on comprehensive financial planning that encompasses short-term financial needs, medium-term goals, and long-term aspirations. He is committed to being an ever-present resource in his clients’ lives — a trusted guide to help them navigate their financial futures for decades, and even generations down the line.
Emilio lives in San Jose, was married for almost 22 years (widowed in 2021), has four children, three dogs and two cats. Outside the office, Emilio enjoys spending time with his kids, working out, playing basketball and being engaged in his local church. He graduated from San Jose State University with a concentration in Business Marketing and Economics.
Securities Agent: MA, LA, GA, SC, NC, ID, OR, UT, TN, IL, HI, CT, AR, ME, DC, OH, NY, KS, WA, NV, NM, IA, FL, AZ, WI, IN, CO, CA, VA, SD, NJ, MI, KY, DE, MT, MS, MN, TX, PA, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1255594
NMLS#: 1255594
About Allan Walsworth
Allan K Walsworth is a Managing Director, Wealth Management with The Skyline Wealth Management Group at Morgan Stanley. With over three decades of experience, Allan has dedicated his entire career to guiding affluent individuals and families through the many complexities of their wealth. These clients are typically corporate executives, founders, early technology employees, and private investors.
After graduating from Loyola Marymount University, Allan embarked on his financial career in 1992 as a financial consultant at Merrill Lynch. In 1996, he transitioned to Morgan Stanley in order to offer his clients a more robust wealth management service. He began building a team of seasoned financial professionals, each bringing unique expertise but sharing a common mission: to help clients navigate the intricacies of their financial lives with confidence to achieve their long-term financial goals. In 2017, Allan and Emilio de Sousa merged their respective teams and they now oversee a team of fourteen financial professionals all working toward one mission: to provide seasoned guidance on every aspect of clients' financial lives.
Over the years, Allan's commitment to excellence has been recognized with prestigious industry accolades, including the Forbes Best in State Wealth Advisor from 2019 to 2024. Instrumental in shaping the team's core values, investment philosophy, and processes, Allan also played a pivotal role in the team’s recognition by Forbes in its inaugural Best in State Top Wealth Management Teams for 2023, 2024 & 2025, as well, Barron's Top 250 Private Wealth Management Teams for 2024.
Leveraging the robust resources of his team and the broader firm, Allan offers clients sophisticated portfolio management and advanced asset allocation strategies. He also holds the elite Family Wealth Director designation (held by only 2% of Morgan Stanley advisors ) and places a strong emphasis on cultivating long-term relationships with his clients, ensuring that their financial journey aligns seamlessly with their individual aspirations and family legacies.
Outside the office, Allan and his wife Paisley have two grown children and live in Los Gatos, CA. A former two-sport NCAA Division 1 athlete in water polo and rowing, he still very much enjoys competing and staying active.
*Source: Barron's.com (Awarded May 2024) Data compiled by Barron's based on time period from Jan 2023-Dec 2023.
*Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24.
After graduating from Loyola Marymount University, Allan embarked on his financial career in 1992 as a financial consultant at Merrill Lynch. In 1996, he transitioned to Morgan Stanley in order to offer his clients a more robust wealth management service. He began building a team of seasoned financial professionals, each bringing unique expertise but sharing a common mission: to help clients navigate the intricacies of their financial lives with confidence to achieve their long-term financial goals. In 2017, Allan and Emilio de Sousa merged their respective teams and they now oversee a team of fourteen financial professionals all working toward one mission: to provide seasoned guidance on every aspect of clients' financial lives.
Over the years, Allan's commitment to excellence has been recognized with prestigious industry accolades, including the Forbes Best in State Wealth Advisor from 2019 to 2024. Instrumental in shaping the team's core values, investment philosophy, and processes, Allan also played a pivotal role in the team’s recognition by Forbes in its inaugural Best in State Top Wealth Management Teams for 2023, 2024 & 2025, as well, Barron's Top 250 Private Wealth Management Teams for 2024.
Leveraging the robust resources of his team and the broader firm, Allan offers clients sophisticated portfolio management and advanced asset allocation strategies. He also holds the elite Family Wealth Director designation (held by only 2% of Morgan Stanley advisors ) and places a strong emphasis on cultivating long-term relationships with his clients, ensuring that their financial journey aligns seamlessly with their individual aspirations and family legacies.
Outside the office, Allan and his wife Paisley have two grown children and live in Los Gatos, CA. A former two-sport NCAA Division 1 athlete in water polo and rowing, he still very much enjoys competing and staying active.
*Source: Barron's.com (Awarded May 2024) Data compiled by Barron's based on time period from Jan 2023-Dec 2023.
*Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24.
Securities Agent: KY, MS, MT, MD, ID, FL, NV, CO, VA, PA, DE, CT, WA, OR, LA, AZ, AR, TX, MI, IL, MN, HI, TN, SC, OH, NY, WI, SD, NJ, MA, IN, GA, DC, CA, UT, NM, NC, KS, IA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282555
NMLS#: 1282555
About Jason Moyers
Jason Moyers is an Executive Director, Wealth Management, Financial Advisor, Family Wealth Director, Senior Portfolio Management Director, and Insurance Planning Director with Skyline Wealth Management Group at Morgan Stanley. With a background in banking, insurance and wealth management. Jason enjoys working with clients toward a work-optional lifestyle by developing a customized process that focuses on putting the pieces of the puzzle together with a horizon framework that bridges present aspirations with future legacies.
Jason began his career in the banking and insurance fields before entering the wealth management industry. Seeking to make a meaningful impact on people's lives, he became a financial advisor with Wells Fargo Investments in 2002. Jason moved to Morgan Stanley in 2010 partnered with Emilio de Sousa as member of Skyline Wealth Management Group. He has earned prestigious designations of Family Wealth Director, Insurance Planning Director, and Senior Portfolio Management Director.
For executives, business owners, and affluent families, Jason provides comprehensive financial guidance with a focus in coordinating family dynamics, insurance planning, and legacy planning. Over the years, he has helped clients navigate countless environments including — volatile markets, the passing of a loved one, health emergencies, divorce and much more. Jason prides himself on being a trusted, unwavering, and compassionate support system for his clients. Looking to create efficiencies in their lives and secure their wealth. Over the years, that commitment has led him to develop meaningful relationships spanning three and starting fourth generations. At the end of the day, he is a steward of legacies, an advocate for families, and a guiding force in the ever-changing landscape of wealth management.
The proud father of three adult sons in San Jose his passions are all directly tied to their passions ranging from baseball to automotive classics/projects and quality time with the family.
Jason began his career in the banking and insurance fields before entering the wealth management industry. Seeking to make a meaningful impact on people's lives, he became a financial advisor with Wells Fargo Investments in 2002. Jason moved to Morgan Stanley in 2010 partnered with Emilio de Sousa as member of Skyline Wealth Management Group. He has earned prestigious designations of Family Wealth Director, Insurance Planning Director, and Senior Portfolio Management Director.
For executives, business owners, and affluent families, Jason provides comprehensive financial guidance with a focus in coordinating family dynamics, insurance planning, and legacy planning. Over the years, he has helped clients navigate countless environments including — volatile markets, the passing of a loved one, health emergencies, divorce and much more. Jason prides himself on being a trusted, unwavering, and compassionate support system for his clients. Looking to create efficiencies in their lives and secure their wealth. Over the years, that commitment has led him to develop meaningful relationships spanning three and starting fourth generations. At the end of the day, he is a steward of legacies, an advocate for families, and a guiding force in the ever-changing landscape of wealth management.
The proud father of three adult sons in San Jose his passions are all directly tied to their passions ranging from baseball to automotive classics/projects and quality time with the family.
Securities Agent: MT, NM, GA, WA, TN, SC, LA, DE, WI, NV, IN, IL, DC, AR, NY, MI, IA, UT, TX, MD, ID, CT, SD, MA, CA, AZ, VA, NJ, NC, KS, CO, OH, HI, PA, FL, MS, OR, MN, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1278936
NMLS#: 1278936
About Phillip Moehrke
Phillip Moehrke is a Senior Vice President, Wealth Management and Financial Advisor with The Skyline Wealth Management Group at Morgan Stanley. With leading credentials and over a decade of experience, he helps high net worth clients identify their multifaceted financial needs, design plans for their long-term goals, and simplify their everyday financial lives.
Graduating from the University of California, Riverside with a degree in Economics, Phillip embarked on his career journey at Morgan Stanley as an intern in 2014. Over the years, he has dedicated himself to continuous learning, undertaking rigorous coursework to earn some of the industry’s most prestigious designations. As a Certified Financial Planner (CFP®), he brings a modern and comprehensive approach to all aspects of financial planning, including retirement, estate, tax, and insurance planning. As a Chartered Financial Analyst (CFA), he helps provide clients with the analytical skillset they need to build goal-oriented portfolios, while his Chartered Alternative Investment Analyst (CAIA) designation allows him to help customize those portfolios with a range of non-market correlated investment vehicles.
With the team, Phillip's primary focus lies in meticulously designing, implementing, and evaluating tailored financial plans for affluent clients and their families. His approach revolves around understanding each client's specific financial landscape and personal aspirations, which he then translates into a coherent, actionable strategy that can evolve with his clients over time. The other foundation of his approach is education. Phillip understands that not all clients are financial experts; while some will be comfortable speaking in financial jargon, others will not. That’s why he devotes the time needed to help clients understand their financial strategies in straightforward terms. This commitment to education also helps ensure that his clients can make well-informed, confident decisions.
Outside the office, Phillip resides in San Jose, CA, with his wife, Yae and two children. In his free time, he stays active with cardio-kickboxing, weightlifting, and tae-kwon-do. He also enjoys traveling and exploring the great outdoors with his family.
Graduating from the University of California, Riverside with a degree in Economics, Phillip embarked on his career journey at Morgan Stanley as an intern in 2014. Over the years, he has dedicated himself to continuous learning, undertaking rigorous coursework to earn some of the industry’s most prestigious designations. As a Certified Financial Planner (CFP®), he brings a modern and comprehensive approach to all aspects of financial planning, including retirement, estate, tax, and insurance planning. As a Chartered Financial Analyst (CFA), he helps provide clients with the analytical skillset they need to build goal-oriented portfolios, while his Chartered Alternative Investment Analyst (CAIA) designation allows him to help customize those portfolios with a range of non-market correlated investment vehicles.
With the team, Phillip's primary focus lies in meticulously designing, implementing, and evaluating tailored financial plans for affluent clients and their families. His approach revolves around understanding each client's specific financial landscape and personal aspirations, which he then translates into a coherent, actionable strategy that can evolve with his clients over time. The other foundation of his approach is education. Phillip understands that not all clients are financial experts; while some will be comfortable speaking in financial jargon, others will not. That’s why he devotes the time needed to help clients understand their financial strategies in straightforward terms. This commitment to education also helps ensure that his clients can make well-informed, confident decisions.
Outside the office, Phillip resides in San Jose, CA, with his wife, Yae and two children. In his free time, he stays active with cardio-kickboxing, weightlifting, and tae-kwon-do. He also enjoys traveling and exploring the great outdoors with his family.
Securities Agent: ID, MS, KY, DE, WA, TX, TN, OR, NJ, MA, GA, NY, IL, CA, UT, OH, CT, AR, WI, SC, IN, IA, FL, DC, NV, NM, MI, HI, CO, AZ, SD, PA, KS, VA, MN, NC, MT, MD, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1622259
NMLS#: 1622259
About Aaron Jang
Aaron Jang is a Senior Vice President, Wealth Management, Financial Advisor, and Senior Portfolio Manager with The Skyline Wealth Management Group at Morgan Stanley. For two decades, he has been dedicated to guiding families toward their financial goals while helping to protect their future legacy.
A graduate of Santa Clara University with a BS in Marketing. Aaron joined the Skyline Wealth Management Group in 2011, complementing his own experience with the perspectives and skillsets of an elite wealth management team. Since then, Aaron has helped a wide range of families address a full spectrum of objectives and needs. He has guided them through various challenging market environments, and extended a hand in life’s difficult moments. In his work with clients today, he hardly ever encounters an obstacle that he has not already helped another client overcome.
Aaron’s primary focus revolves around delivering “big picture” planning solutions to help families strategize their long-term futures. While leveraging his own experience, Aaron also believes in undertaking a thorough discovery process. By gaining a comprehensive understanding of his clients individual needs, aspirations, family dynamics, and concerns, he is able to design financial plans as unique as they are — which, ultimately, will help them reach the future they envision. Along the way, Aaron is committed to using his creativity, meticulous attention to detail, and exceptional listening skills to help evolve those plans in tandem with clients’ changing needs, and providing unwavering support at every step of their financial journeys.
Outside the office, Aaron resides in San Jose, CA, with his wife and two children. In his free time, he enjoys traveling with his family and staying active outdoors with golf and snowboarding. Passionate about music, he also plays a mean cello and is on the lookout to join a band.
A graduate of Santa Clara University with a BS in Marketing. Aaron joined the Skyline Wealth Management Group in 2011, complementing his own experience with the perspectives and skillsets of an elite wealth management team. Since then, Aaron has helped a wide range of families address a full spectrum of objectives and needs. He has guided them through various challenging market environments, and extended a hand in life’s difficult moments. In his work with clients today, he hardly ever encounters an obstacle that he has not already helped another client overcome.
Aaron’s primary focus revolves around delivering “big picture” planning solutions to help families strategize their long-term futures. While leveraging his own experience, Aaron also believes in undertaking a thorough discovery process. By gaining a comprehensive understanding of his clients individual needs, aspirations, family dynamics, and concerns, he is able to design financial plans as unique as they are — which, ultimately, will help them reach the future they envision. Along the way, Aaron is committed to using his creativity, meticulous attention to detail, and exceptional listening skills to help evolve those plans in tandem with clients’ changing needs, and providing unwavering support at every step of their financial journeys.
Outside the office, Aaron resides in San Jose, CA, with his wife and two children. In his free time, he enjoys traveling with his family and staying active outdoors with golf and snowboarding. Passionate about music, he also plays a mean cello and is on the lookout to join a band.
Securities Agent: KS, ID, TN, MS, MN, IA, GA, AR, MD, DE, CA, UT, SD, MI, LA, FL, AZ, WI, VA, SC, NC, NV, NJ, DC, CT, CO, TX, PA, OR, IN, WA, OH, NM, KY, IL, HI, NY, MT, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1278827
NMLS#: 1278827
About Melissa Barney
Melissa has been with the Skyline Wealth Management Group since 2005. She has the enviable responsibility of gathering all of the information from the families we serve, and then constructing the comprehensive financial plan. Her gifts range from her impressive communication and listening skills, to her ability to compile seemingly unrelated data and information into a plan that establishes a clear pathway for meeting the family’s goals. She works closely with the other advisors on the team to make sure clients receive the information they need to help make the important decisions in life.
Prior to joining the team, Melissa, thinking she might want to practice law, went to work for a law firm while taking courses at San Jose State. Upon graduation with a degree in Finance, she decided instead to leverage what she learned with respect to estates and trusts and shifted her focus to financial services where she could fully leverage her skills. Meshing financial knowledge with estate planning knowledge.
Outside the office, Melissa resides in South San Jose, CA, with her son Luke and her beloved dog, LeLu. An adventurer at heart, she enjoys sharing her love of exploration with her family, whether along the coast of California or skiing in Lake Tahoe. She is often cheering on Luke at his sporting events that right now include football, baseball, soccer and ice hockey. A former athlete herself, Melissa still plays volleyball and used to compete in athletic events including the SF Nike half marathon, Tough Mudder races at Lake Tahoe and Mt. Diablo, and the Across the Bay 12k.
Prior to joining the team, Melissa, thinking she might want to practice law, went to work for a law firm while taking courses at San Jose State. Upon graduation with a degree in Finance, she decided instead to leverage what she learned with respect to estates and trusts and shifted her focus to financial services where she could fully leverage her skills. Meshing financial knowledge with estate planning knowledge.
Outside the office, Melissa resides in South San Jose, CA, with her son Luke and her beloved dog, LeLu. An adventurer at heart, she enjoys sharing her love of exploration with her family, whether along the coast of California or skiing in Lake Tahoe. She is often cheering on Luke at his sporting events that right now include football, baseball, soccer and ice hockey. A former athlete herself, Melissa still plays volleyball and used to compete in athletic events including the SF Nike half marathon, Tough Mudder races at Lake Tahoe and Mt. Diablo, and the Across the Bay 12k.
Securities Agent: WA, MS, NV, HI, DC, OH, NJ, KY, IA, DE, KS, IN, CO, PA, MN, MD, LA, AZ, WI, OR, NY, NC, CT, VA, UT, SD, ID, IL, TX, SC, NM, MT, MA, FL, TN, MI, GA, CA, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1282861
CA Insurance License #: 0G84065
NMLS#: 1282861
CA Insurance License #: 0G84065
About Kim Grubisich
Securities Agent: TN, TX, UT, VA, VT, WA, WI, WY, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OR, PA, SC, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 2357091
CA Insurance License #: 4169846
NMLS#: 2357091
CA Insurance License #: 4169846
About Mike Hoang
Mike is an Assistant Vice President, Wealth Management, and Group Director with The Skyline Wealth Management Group at Morgan Stanley. With over 18 years of financial experience, he helps develop and execute solutions across a wide array of team and client needs.
Mike began his wealth management career in 2006 as a Personal Banker with Wells Fargo. Progressing in his career, he became a Registered Brokerage Associate at the Firm, gaining valuable insights and experience in the investment services industry. In 2010, Mike joined The Skyline Wealth Management Group at Morgan Stanley. Since then, he has continued to build his skillset, transitioning from a Wealth Management Analyst to his current role as Group Director, which he has held since 2019.
A self-described “jack of all trades,” Mike maintains a range of responsibilities with the team. He provides high-level team oversight, ideates growth strategy, and implements the team's business plan. He also helps maintain and enhance the team’s commitment to client service, managing the development and execution of strategies to address client concerns and navigate operational issues seamlessly. Over the years, he has also served as a primary client contact, handling an array of general client inquiries across a wide spectrum of financial topics. Mike prides himself on finding effective solutions to clients’ most complex issues.
Outside the office, Mike resides in San Jose, CA, with his son, Alex. Dedicated to his community, Mike leads several adult recreational volleyball leagues aimed at raising funds for local youth sports programs, including his alma mater, Adrian Wilcox High School. In his free time, he enjoys participating in adult sports leagues and local tournaments for football, basketball, and volleyball.
Mike began his wealth management career in 2006 as a Personal Banker with Wells Fargo. Progressing in his career, he became a Registered Brokerage Associate at the Firm, gaining valuable insights and experience in the investment services industry. In 2010, Mike joined The Skyline Wealth Management Group at Morgan Stanley. Since then, he has continued to build his skillset, transitioning from a Wealth Management Analyst to his current role as Group Director, which he has held since 2019.
A self-described “jack of all trades,” Mike maintains a range of responsibilities with the team. He provides high-level team oversight, ideates growth strategy, and implements the team's business plan. He also helps maintain and enhance the team’s commitment to client service, managing the development and execution of strategies to address client concerns and navigate operational issues seamlessly. Over the years, he has also served as a primary client contact, handling an array of general client inquiries across a wide spectrum of financial topics. Mike prides himself on finding effective solutions to clients’ most complex issues.
Outside the office, Mike resides in San Jose, CA, with his son, Alex. Dedicated to his community, Mike leads several adult recreational volleyball leagues aimed at raising funds for local youth sports programs, including his alma mater, Adrian Wilcox High School. In his free time, he enjoys participating in adult sports leagues and local tournaments for football, basketball, and volleyball.
CA Insurance License #: 0G52077
About Charley LaRagione
Charley LaRagione is a Wealth Management Analyst with The Skyline Wealth Management Group at Morgan Stanley. Through elevated service and thoughtful guidance, he strives to be a go-to guide for affluent individuals and families for many years to come.
A graduate of San Diego State University with a bachelor’s degree in Finance, Charley entered the financial industry in 2021, joining The Skyline Wealth Management Group at Morgan Stanley upon graduation. Since then, he has focused on developing his skillset, broadening his knowledge-base, and expanding his overall expertise within the financial services industry from both an operational and strategic standpoint. His aim is to embody the kind of comprehensive approach that has defined the team since its inception.
Charley’s primary focus is on elevating the client experience through personalized service. With hard work, care, and attention to detail as his core values, he serves as a first point of contact for clients’ everyday questions and concerns. Charley prides himself on delivering prompt, well-executed solutions, so that the team’s clients can enjoy a seamless financial life. Each and every day, he strives to go above and beyond to help foster the kind of deep relationships that extend decades and even generations into the future.
Outside the office, Charley lives in Los Gatos, California, where he has resided throughout most his lifetime. An alumnus of Los Gatos High School and former Captain of the Wildcat Football Team, he continues to remain active both in his local community and as an athlete. In his free time, he enjoys golf, basketball, and fitness training. A self-proclaimed health food aficionado, Charley also enjoys spending time exploring and tasting new recipes with his girlfriend, Arianna.
A graduate of San Diego State University with a bachelor’s degree in Finance, Charley entered the financial industry in 2021, joining The Skyline Wealth Management Group at Morgan Stanley upon graduation. Since then, he has focused on developing his skillset, broadening his knowledge-base, and expanding his overall expertise within the financial services industry from both an operational and strategic standpoint. His aim is to embody the kind of comprehensive approach that has defined the team since its inception.
Charley’s primary focus is on elevating the client experience through personalized service. With hard work, care, and attention to detail as his core values, he serves as a first point of contact for clients’ everyday questions and concerns. Charley prides himself on delivering prompt, well-executed solutions, so that the team’s clients can enjoy a seamless financial life. Each and every day, he strives to go above and beyond to help foster the kind of deep relationships that extend decades and even generations into the future.
Outside the office, Charley lives in Los Gatos, California, where he has resided throughout most his lifetime. An alumnus of Los Gatos High School and former Captain of the Wildcat Football Team, he continues to remain active both in his local community and as an athlete. In his free time, he enjoys golf, basketball, and fitness training. A self-proclaimed health food aficionado, Charley also enjoys spending time exploring and tasting new recipes with his girlfriend, Arianna.
CA Insurance License #: 4259107
About Cheryl Wong
Cheryl joined Skyline Wealth Management Group in December 2024 as a Senior Registered Client Service Associate. Prior to joining she was supporting a team at our Morgan Stanley Los Gatos office.
With over 3 decades of financial services experience, she enjoys working with clients in facilitating all operational needs and executing solutions derived from their financial plan. Most recently having earned the Cash Engagement Specialist designation, Cheryl enjoys helping clients find solutions to their everyday cash needs for both personal and business.
She is a graduate from the University of San Francisco with a Bachelor’s Degree in Finance, holds certificates in Personal Financial Planning from UC Santa Cruz and Strategic Leadership from Stanford’s Graduate School of Business.
A Cupertino resident, she and her husband Alvin are the proud parents to their son, daughter and toy poodle. In her free time, Cheryl spends time with her family travelling and cooking for them. When not in the office, she volunteers at her children’s sporting events and various non profits committed to children’s issues and workforce diversity.
With over 3 decades of financial services experience, she enjoys working with clients in facilitating all operational needs and executing solutions derived from their financial plan. Most recently having earned the Cash Engagement Specialist designation, Cheryl enjoys helping clients find solutions to their everyday cash needs for both personal and business.
She is a graduate from the University of San Francisco with a Bachelor’s Degree in Finance, holds certificates in Personal Financial Planning from UC Santa Cruz and Strategic Leadership from Stanford’s Graduate School of Business.
A Cupertino resident, she and her husband Alvin are the proud parents to their son, daughter and toy poodle. In her free time, Cheryl spends time with her family travelling and cooking for them. When not in the office, she volunteers at her children’s sporting events and various non profits committed to children’s issues and workforce diversity.
About Alyssa Chi
Alyssa Chi is a Registered Client Service Associate with The Skyline Wealth Management Group at Morgan Stanley. A team player with a passion for helping others, Alyssa provides assistance and support for both the team’s financial advisors and their clients.
While working on her Business Administration degree from San Jose State University, Alyssa entered the wealth management industry as an intern with Morgan Stanley. Upon graduation, she joined the firm full-time joining the Skyline Wealth Management Group.
With the team, Alyssa serves as a dynamic resource with the broad skillset and solutions-oriented approach to help deliver an enhanced client experience. While her responsibilities encompass many different facets of wealth management, she works with one goal in mind: to help the team build and maintain meaningful relationships with each and every client. With a long career still ahead of her, she looks forward to growing alongside her clients and their families, and helping them achieve their goals for generations to come.
Outside office, Alyssa lives in San Jose, CA. In her free time, she enjoys traveling and exploring new places with friends and catching up with family. Passionate about her local culinary community, she loves trying out new restaurants and cuisines in town and savoring the many flavors the Bay has to offer.
While working on her Business Administration degree from San Jose State University, Alyssa entered the wealth management industry as an intern with Morgan Stanley. Upon graduation, she joined the firm full-time joining the Skyline Wealth Management Group.
With the team, Alyssa serves as a dynamic resource with the broad skillset and solutions-oriented approach to help deliver an enhanced client experience. While her responsibilities encompass many different facets of wealth management, she works with one goal in mind: to help the team build and maintain meaningful relationships with each and every client. With a long career still ahead of her, she looks forward to growing alongside her clients and their families, and helping them achieve their goals for generations to come.
Outside office, Alyssa lives in San Jose, CA. In her free time, she enjoys traveling and exploring new places with friends and catching up with family. Passionate about her local culinary community, she loves trying out new restaurants and cuisines in town and savoring the many flavors the Bay has to offer.
About Renvir Gellon
Renvir Gellon is a Client Service Associate with The Skyline Wealth Management Group at Morgan Stanley. Focused on client engagement and satisfaction, Renvir is set on being a resourceful point of contact to ensure that client’s goals are met.
After graduating from the University of Oregon with a Bachelors degree in Economics, Renvir found a passion for financial services, joining the Skyline Wealth Management group at Morgan Stanley in 2024.
With a positive and persistent attitude, Renvir aims to provide exceptional client service by providing quick assistance to a variety of requests. Having an analytical approach, he is committed to solving issues proactively to ensure efficient results. Additionally, active communication and accessibility are principles that he holds in high regard and that he applies every day in his role. As a team player, Renvir is engaged in building client relationships with the goal of helping them secure a great financial future.
Outside the office, Renvir lives in San Jose. With a knack for exploring new places, he enjoys traveling and hiking. Having an early interest in sports, Renvir also takes interest in playing and watching basketball, as well as attending as many events as possible in person.
After graduating from the University of Oregon with a Bachelors degree in Economics, Renvir found a passion for financial services, joining the Skyline Wealth Management group at Morgan Stanley in 2024.
With a positive and persistent attitude, Renvir aims to provide exceptional client service by providing quick assistance to a variety of requests. Having an analytical approach, he is committed to solving issues proactively to ensure efficient results. Additionally, active communication and accessibility are principles that he holds in high regard and that he applies every day in his role. As a team player, Renvir is engaged in building client relationships with the goal of helping them secure a great financial future.
Outside the office, Renvir lives in San Jose. With a knack for exploring new places, he enjoys traveling and hiking. Having an early interest in sports, Renvir also takes interest in playing and watching basketball, as well as attending as many events as possible in person.
About Max Walsworth
Max Walsworth is a Client Service Associate at Morgan Stanley Private Wealth Management in San Jose, California. With a solid foundation in Finance and Accounting, Max is dedicated to delivering outstanding service and support to our clients. He joined the team in January 2026, bringing with him experience from PwC’s Asset and Wealth Management Tax practice, where he worked extensively with private equity and hedge fund clients.
Max's leadership and teamwork skills were further developed during his time as a Division 1 Water Polo athlete at Loyola Marymount University, where he was a senior co-captain. His academic accomplishments include being named to the WWPA, WCC, and Collegiate Water Polo All-Academic Teams, as well as the Dean's List.
Max is enthusiastic about applying his energy and commitment to his role at Morgan Stanley. He lives in Los Gatos, California, and enjoys an active lifestyle, with interests in golf, mountain biking, fishing, and exploring the outdoors.
Max's leadership and teamwork skills were further developed during his time as a Division 1 Water Polo athlete at Loyola Marymount University, where he was a senior co-captain. His academic accomplishments include being named to the WWPA, WCC, and Collegiate Water Polo All-Academic Teams, as well as the Dean's List.
Max is enthusiastic about applying his energy and commitment to his role at Morgan Stanley. He lives in Los Gatos, California, and enjoys an active lifestyle, with interests in golf, mountain biking, fishing, and exploring the outdoors.
About Sophia Nikravesh
Sophia Nikravesh is a Client Service Associate with Morgan Stanley. A dedicated professional with a passion for supporting clients, Sophia provides comprehensive assistance to both financial advisors and the individuals and families they serve.
While earning her MBA from William & Mary and her BS in Human Biology from UC Santa Cruz, Sophia developed a strong foundation in strategic thinking, market research, and client service. Before joining Morgan Stanley, she worked in marketing, healthcare, and real estate. Her experience has given her a solutions-oriented mindset and a deep appreciation for building trusted relationships.
At Morgan Stanley, Sophia is committed to delivering an exceptional client experience, helping clients navigate their financial journeys with confidence and care. Her approach centers on understanding each client’s unique goals and working collaboratively to help them achieve long-term success. Looking ahead, she is excited to grow alongside her clients and continue making a positive impact on their lives.
Outside the office, Sophia is a Bay Area native who enjoys traveling, visiting museums, and supporting the arts through live performances. She also loves spending time with family and friends and is fluent in both English and Spanish.
While earning her MBA from William & Mary and her BS in Human Biology from UC Santa Cruz, Sophia developed a strong foundation in strategic thinking, market research, and client service. Before joining Morgan Stanley, she worked in marketing, healthcare, and real estate. Her experience has given her a solutions-oriented mindset and a deep appreciation for building trusted relationships.
At Morgan Stanley, Sophia is committed to delivering an exceptional client experience, helping clients navigate their financial journeys with confidence and care. Her approach centers on understanding each client’s unique goals and working collaboratively to help them achieve long-term success. Looking ahead, she is excited to grow alongside her clients and continue making a positive impact on their lives.
Outside the office, Sophia is a Bay Area native who enjoys traveling, visiting museums, and supporting the arts through live performances. She also loves spending time with family and friends and is fluent in both English and Spanish.
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Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Barron's Top 250 Private Wealth Management Teams
2024-2025 Barron's Top 100 Private Wealth Management Teams (formerly referred to as Barron's Top 100 Private Wealth Management Teams, Barron's Top 50 Private Wealth Management Teams, Barron's Top 50 Private Wealth Advisory Teams) Source: Barrons.com (Awarded April 2024-2025). Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the award.
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Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
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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.
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
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
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.
1Alternative 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.
2Morgan 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
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.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner Board of Standards 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.
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
1Alternative 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.
2Morgan 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
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.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner Board of Standards 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.
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 4677197 (7/2025)
