Lawrence Lee
Registered Client Service Associate
Phone:
(415) 984-6536(415) 984-6536
Stefan Madjarov, CFA®
Executive Director,
Financial Advisor
Direct:
(415) 984-6535(415) 984-6535
My Mission Statement
Our focus is helping clients simplify complexity: diversifying concentrated positions, structuring global portfolios, planning for succession and aligning wealth strategies with family values. Drawing on more than a decade of international experience, we advise and design strategies tailored to each family’s needs.
My Story and Services
We bring together global experience from Europe and Asia to the Bay Area to serve entrepreneurs, executives, families and foundations with thoughtful and personalized wealth management. With backgrounds spanning investment strategy, private banking and entrepreneurship, we understand both the opportunities and challenges that come with building and sustaining wealth.
Our services cover the full spectrum of needs – from investment management, to lending, estate planning, concentrated stock solutions, and philanthropic strategy. Above all, we see ourselves as long-term partners, helping clients align their wealth with their values and transform success into lasting impact.
Services Include:
- Holistic Balance Sheet Review
- Estate Planning and QSBS
- Life Insurance / Annuities
- Strategic Asset Allocation and Portfolio Management
- Concentrated Stock Management and Diversification
- Cash Management and Banking Services
- Mortgage and Lending (Secured / Unsecured)
- Private (Direct) Alternative Investment
- Endowments and Foundations Portfolio Management
- Capital Markets: Private Secondary Transactions
- Corporate Cash Services
- Family Office Services
Securities Agent: NC, AK, TX, PA, NY, NV, ME, WY, SD, OH, MN, MA, KS, AR, VT, NJ, NE, TN, MS, AL, WV, NM, ND, LA, GA, AZ, WI, WA, RI, MT, IA, DC, CO, VI, SC, PR, OK, KY, CA, UT, NH, FL, OR, IN, IL, HI, VA, MO, MI, MD, ID, DE, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 2691494
NMLS#: 2691494
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Estate Planning
For many of our clients, wealth isn't just about numbers on a page – it's the product of years of hard work, bold ideas, and the risks you've taken to build something meaningful. We believe planning for the future should honor that journey. Estate and wealth planning is about more than minimizing taxes or transferring assets; it's about protecting what you've build, giving your family peace of mind, and ensuring your values carry forward to the next generation.
We recognize every family's story is different. That's why we take a deeply personal approach, helping you navigate complex decisions with clarity, and designing structures that align with both your long-term goals and you family's values. To us, estate and wealth planning is not a 'someday' task – it is an essential part of building a legacy today.
- Founders' Planning QSBS – Strategies around Qualified Small Business Stock (QSBS) and equity ownership to maximize tax exclusions and liquidity planning.
- Trust Estate Structuring – Revocable irrevocable trusts, GRATs, charitable trusts and more, designed to protect assets and transition wealth tax-efficiently.
- Philanthropy Legacy – Donor-advised funds, private foundations, and structured giving to align impact with family values.
- Next-Generation Planning – Education, governance and financial literacy programs to compare heirs for responsible stewardship of wealth
- Cross-Border Multi-Jurisdictional Strategies – Specialized guidance for families with global assets, citizenship complexities, or international business interests.
SUITE OF DIGITAL TOOLS
Morgan Stanley Online
Morgan Stanley Online has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorization.
Total Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world's largest institutional asset managers. Providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
MS Reserved Living and Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
On the Markets
Detailed Market commentary from Morgan Stanley's though leaders on topics such as global equities, fixed income, monetary policy and more.
What Should I Do With My Money
Listen to our newest podcasts where Morgan Stanley Financial Advisors answer real questions, from real people, about the most important aspects of client lives. We aim to give insight to the most common questions among our clients.
Improve Financial Literacy at Any Age
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Required Minimum Distributions
Required minimum distributions (RMDs) are likely to play an important role in your finances in retirement. Planning ahead for what you want to do with the money may help reduce taxes and increase options for re-investing. Here's 8 things you should know.
Location
555 California St 35th
Floor
San Francisco, CA 94104
US
Direct:
(415) 984-6535(415) 984-6535
Meet My Team
About Lawrence Lee
Lawrence advises a sophisticated client base, including members of the start-up space, entrepreneurs, tech founders and executives, as well as non-profits and foundations. He is a trusted ally his clients can rely on to help transform success into a meaningful legacy, freeing them to focus on their busy professional lives.
A former professional basketball player, Lawrence understands the value of seasoned guidance in pursuing positive outcomes. He partners with each individual and organization to help them think comprehensively about the many aspects of their financial picture so they may work to optimize opportunities at hand. Lawrence orchestrates a team of specialists to inform his recommendations for investing, wealth planning, lending, cash management and more. He enjoys community building and connecting clients to others in his network to explore synergistic ideas.
Lawrence views his role in wealth management as a coach looking out for the best interests of the people and organizations he cares about. He enjoys ‘talking shop’ with his tech clients with his engineering background and discussing strategies to further the causes his non-profit clients work on.
Lawrence holds an MBA from the Haas School of Business at the University of California, Berkeley. He earned a BS from the California Institute of Technology, where he played NCAA basketball and double majored in Mechanical Engineering and Business Economics.
Originally from Hong Kong, Lawrence has spent considerable time helping young athletes in China foster a love for sport as well as supporting older student-athletes in recruiting for collegiate and professional opportunities. He is a teacher and coach at heart and explains financial literacy concepts in easy-to-understand terms.
A former professional basketball player, Lawrence understands the value of seasoned guidance in pursuing positive outcomes. He partners with each individual and organization to help them think comprehensively about the many aspects of their financial picture so they may work to optimize opportunities at hand. Lawrence orchestrates a team of specialists to inform his recommendations for investing, wealth planning, lending, cash management and more. He enjoys community building and connecting clients to others in his network to explore synergistic ideas.
Lawrence views his role in wealth management as a coach looking out for the best interests of the people and organizations he cares about. He enjoys ‘talking shop’ with his tech clients with his engineering background and discussing strategies to further the causes his non-profit clients work on.
Lawrence holds an MBA from the Haas School of Business at the University of California, Berkeley. He earned a BS from the California Institute of Technology, where he played NCAA basketball and double majored in Mechanical Engineering and Business Economics.
Originally from Hong Kong, Lawrence has spent considerable time helping young athletes in China foster a love for sport as well as supporting older student-athletes in recruiting for collegiate and professional opportunities. He is a teacher and coach at heart and explains financial literacy concepts in easy-to-understand terms.
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
Jeff Spence
Private Banker
Clint Eddy
Family Office Resource Generalist
About Jeff Spence
Jeff Spence is a Private Banker serving Morgan Stanley Wealth Management offices in California
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.
Jeff began his career in financial services in 2004, and joined Morgan Stanley in 2014 as a Private Banking Vice President. Prior to joining the
firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Branch Manager at Bank of America.
Jeff is a graduate of the University of California, Riverside, where he received a Bachelors in Business Administration. He lives in Oakland, CA
with his wife Sherie. Outside of the office, Jeff enjoys riding his motorcycle in the East Bay mountains of California, and traveling the world with his wife enjoying new experiences.
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.
Jeff began his career in financial services in 2004, and joined Morgan Stanley in 2014 as a Private Banking Vice President. Prior to joining the
firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Branch Manager at Bank of America.
Jeff is a graduate of the University of California, Riverside, where he received a Bachelors in Business Administration. He lives in Oakland, CA
with his wife Sherie. Outside of the office, Jeff enjoys riding his motorcycle in the East Bay mountains of California, and traveling the world with his wife enjoying new experiences.
NMLS#: 637529
About Clint Eddy
Clint Eddy is an Executive Director with the Family Office Resources (FOR) team at Morgan Stanley. As a Generalist with FOR he helps clients and Advisors curate and navigate an expansive suite of highly specialized resources to address the complex, multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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.
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
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.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Stefan Madjarov today.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)