David Lowry
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(949) 955-7598(949) 955-7598
The Bay Group at Morgan Stanley
Direct:
(949) 955-7598(949) 955-7598
Toll-Free:
(800) 533-3402(800) 533-3402
Our Mission Statement
Dedicated to making your life easier by providing thoughtful, personalized financial strategies and superior client service
Welcome
As a team of veteran Financial Advisors, we look for ways to simplify the complexity of your financial life and provide you with friendly and knowledgeable service to help achieve your goals.
Your wealth management strategy deserves a comprehensive approach. Every decision we make is guided by your individual goals and we hold ourselves accountable to those goals. We believe you should feel comfortable to ask us any question and receive respectful, thoughtful, and strategic answers.
Seasoned investors know that experience matters. We have managed client assets through volatile financial periods such as the tech crisis in 2001 and the Great Recession in 2008, as well as helped our clients to take advantage of rapidly increasing markets. Managing money can be emotional, we are here to help you make rational decisions when important financial events occur in your life.
Managing your finances can be a time consuming and, at times, frustrating process. Our team is committed to relieving you of many of the burdens associated with simplifying your financial life. We can help facilitate conversations with your other professional advisors (estate attorney, CPA etc.), and our dedicated Service Associates can assist with consolidating accounts, transferring funds, simplifying reporting and establishing online access.
The diversity of our skills and experience combined with our access to the global reach and power of Morgan Stanley’s resources and technology tools allows us to focus on what is most important to you.
Your wealth management strategy deserves a comprehensive approach. Every decision we make is guided by your individual goals and we hold ourselves accountable to those goals. We believe you should feel comfortable to ask us any question and receive respectful, thoughtful, and strategic answers.
Seasoned investors know that experience matters. We have managed client assets through volatile financial periods such as the tech crisis in 2001 and the Great Recession in 2008, as well as helped our clients to take advantage of rapidly increasing markets. Managing money can be emotional, we are here to help you make rational decisions when important financial events occur in your life.
Managing your finances can be a time consuming and, at times, frustrating process. Our team is committed to relieving you of many of the burdens associated with simplifying your financial life. We can help facilitate conversations with your other professional advisors (estate attorney, CPA etc.), and our dedicated Service Associates can assist with consolidating accounts, transferring funds, simplifying reporting and establishing online access.
The diversity of our skills and experience combined with our access to the global reach and power of Morgan Stanley’s resources and technology tools allows us to focus on what is most important to you.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Issues We Address
What do you value about money?
Our approach consists of understanding and addressing the issues that matter most to you at any given time. We listen deeply, asking questions such as:
- What would you like to achieve with your money?
- What is your opinion on taxes? What kind of taxes bother you the most?
- Who are your most important relationships? What do you do (or want to do) for them?
- If you didn’t have to work anymore, what would you do?
- How are your assets structured now?
- When you think about your finances, what are your three biggest worries?
- Which charitable causes do you donate to? Volunteer for?
- Where do you believe you have made mistakes in the past in handling your investments?
- What is your current estate plan? When was the last time you reviewed it?
- What are your goals for retirement? How do you envision life after your career is done?
- What legacy do you want to leave and to whom do you want to leave it?
While we pride ourselves on finding tailored solutions, we also know that the discovery process really never stops. Whatever the situation, we’ll be there to help you discover the right solutions.
Our approach consists of understanding and addressing the issues that matter most to you at any given time. We listen deeply, asking questions such as:
- What would you like to achieve with your money?
- What is your opinion on taxes? What kind of taxes bother you the most?
- Who are your most important relationships? What do you do (or want to do) for them?
- If you didn’t have to work anymore, what would you do?
- How are your assets structured now?
- When you think about your finances, what are your three biggest worries?
- Which charitable causes do you donate to? Volunteer for?
- Where do you believe you have made mistakes in the past in handling your investments?
- What is your current estate plan? When was the last time you reviewed it?
- What are your goals for retirement? How do you envision life after your career is done?
- What legacy do you want to leave and to whom do you want to leave it?
While we pride ourselves on finding tailored solutions, we also know that the discovery process really never stops. Whatever the situation, we’ll be there to help you discover the right solutions.
Investment Process
We have been setting a high benchmark for outstanding service for several decades. We draw on our complementary skills and respective strengths to construct your portfolio around multiple objectives, considering factors such as your tolerance for risk, tax concerns, liquidity needs and time horizon, while managing for volatility and risk.
We believe that Asset Allocation – diversifying assets across stocks, bonds and when suitable alternative investments – is one of the keys to reducing portfolio volatility while seeking to maximize portfolio returns. We employ extensive research and analysis from both Morgan Stanley and outside independent research, combining Fundamental Analysis with Technical Analysis to arrive at portfolio decisions.
We believe that Asset Allocation – diversifying assets across stocks, bonds and when suitable alternative investments – is one of the keys to reducing portfolio volatility while seeking to maximize portfolio returns. We employ extensive research and analysis from both Morgan Stanley and outside independent research, combining Fundamental Analysis with Technical Analysis to arrive at portfolio decisions.
Location
1901 Main Street
Ste 700
Irvine, CA 92614
US
Direct:
(949) 955-7598(949) 955-7598
Toll-Free:
(800) 533-3402(800) 533-3402
Meet The Bay Group
Phone:
(949) 955-7587(949) 955-7587
Doug Quintero
First Vice President, Financial Advisor, Alternative Investments Director
Phone:
(949) 955-7833(949) 955-7833
About David Lowry
J. David B. Lowry
Senior Vice President
Financial Advisor
Portfolio Management Director
A fully licensed investment professional, David has been in Financial Services for more than 40 years. David implements wealth management strategies for clients by concentrating on portfolio management. He entered the financial services industry in 1974 and moved from Ireland to California in 1991. David joined Smith Barney’s Portfolio Management Group in 1994 and became a Senior Portfolio Manager in 1997. He was previously associated with the Northern Bank, Belfast, Ireland. David earned a BS (Honors) in Banking and Finance from the University of Ulster, Coleraine, Ireland and a MIB in Banking and Finance from the Institute of Bankers, Dublin, Ireland. He is located in The Bay Group at Morgan Stanley’s Southern California office in Irvine. David is a Portfolio Management Director and manages client assets on a discretionary basis.
The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities.
Senior Vice President
Financial Advisor
Portfolio Management Director
A fully licensed investment professional, David has been in Financial Services for more than 40 years. David implements wealth management strategies for clients by concentrating on portfolio management. He entered the financial services industry in 1974 and moved from Ireland to California in 1991. David joined Smith Barney’s Portfolio Management Group in 1994 and became a Senior Portfolio Manager in 1997. He was previously associated with the Northern Bank, Belfast, Ireland. David earned a BS (Honors) in Banking and Finance from the University of Ulster, Coleraine, Ireland and a MIB in Banking and Finance from the Institute of Bankers, Dublin, Ireland. He is located in The Bay Group at Morgan Stanley’s Southern California office in Irvine. David is a Portfolio Management Director and manages client assets on a discretionary basis.
The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities.
Securities Agent: MO, FL, WA, CA, VT, OH, NY, NM, MA, IL, AZ, OR, MN, OK, ID, SC, NV, CT, UT, TX, IN, GA, CO, DC, NC, MD; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1253230
CA Insurance License #: 0A88190
NMLS#: 1253230
CA Insurance License #: 0A88190
About George C Rach
George Rach is a Senior Vice President, Financial Advisor at Morgan Stanley Wealth Management. George focuses on defining his clients’ investment goals and implementing a plan of action.
With over 53 years of experience, George’s relationship with his clients is based off the clients’ best interest. Understanding your clients’ vision and sharing similar values attribute to his style of holistic planning. George started in the financial services industry in 1964 with EF Hutton – Long Beach (1964-1988). He later joined Shearson Lehman Brothers Inc. (1988-1993), and Smith Barney (1993-2009). During his professional career, George has assumed a branch management role and is experienced working with High Net Worth clients.
George attained his Bachelors of Science in Industrial Management, Business from Lehigh University. During his academic career, he was a member of the Phi Gamma Delta Fraternity. George has also served seven years as a Line Officer with the U.S. Navy.
George resides in Emerald Bay, Laguna Beach with his wife, Micki, of over 25 years. George’s personal interest and hobbies include traveling worldwide, playing golf, and organizing family gatherings that include his twenty grandchildren, and two great grandchildren.
With over 53 years of experience, George’s relationship with his clients is based off the clients’ best interest. Understanding your clients’ vision and sharing similar values attribute to his style of holistic planning. George started in the financial services industry in 1964 with EF Hutton – Long Beach (1964-1988). He later joined Shearson Lehman Brothers Inc. (1988-1993), and Smith Barney (1993-2009). During his professional career, George has assumed a branch management role and is experienced working with High Net Worth clients.
George attained his Bachelors of Science in Industrial Management, Business from Lehigh University. During his academic career, he was a member of the Phi Gamma Delta Fraternity. George has also served seven years as a Line Officer with the U.S. Navy.
George resides in Emerald Bay, Laguna Beach with his wife, Micki, of over 25 years. George’s personal interest and hobbies include traveling worldwide, playing golf, and organizing family gatherings that include his twenty grandchildren, and two great grandchildren.
Securities Agent: NV, FL, DC, OH, NC, CA, IL, AL, WA, SC, MA, GA, AZ, MN, IN, ID, KS, NY, MD, OK, NM, MO, VT, CT, NE, CO, UT, TX, OR; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1285135
CA Insurance License #: 0A03796
NMLS#: 1285135
CA Insurance License #: 0A03796
About Doug Quintero
As a First Vice President and Financial Advisor, Doug Quintero helps his high net worth and ultra-high net worth clients simplify the financial complexities in their lives so they can spend more time running their companies, raising their families and pursuing their philanthropic ambitions. His ability to develop customized strategies that align with varied and complex wealth management goals has earned him a unique place of trust with an elite group of investors. As a result, Doug was named to Forbes Magazine’s inaugural List of America’s Top Next Generation Wealth Advisors in 2017. This award recognizes him as a future leader in the industry.
Doug works with families, corporate executives and serial entrepreneurs. He places a high premium on delivering quality service while implementing strategies that align with his clients’ financial goals. To this end, he helps his clients build diversified portfolios and, when suitable, incorporating alternative investments, such as hedge funds, private equity, and private real estate to differentiate returns from traditional markets. Doug also addresses complex stock issues such as concentrated and restricted stock management, stock option analysis, tax minimization and hedging strategies.
He began his financial services career as an Analyst for Smith Barney in Orange County, California. A few years later he moved to San Francisco to work with one of the leading wealth management teams on the West Coast. In this role, Doug was responsible for investment research and advice, with a particular focus on alternative investments. After several years at Merrill Lynch and the Private Banking and Investment Group, he joined Morgan Stanley to focus on serving the needs of a select group of families and individuals.
Doug earned his B.A. in Political Science/Business from the University of Southern California, where he was a Trustee Scholar.
He lives in the San Francisco Bay Area with his wife and daughter.
2023 Forbes Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-In-State
Source: Forbes.com (August 2023) Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-In-State ranking awarded in 2023. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 3/31/22 - 3/31/23. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC for placement on its rankings. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking 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 opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience; investors must carefully choose the right Financial Advisor or team for their own situation and perform their own due diligence. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
© 2023 Morgan Stanley Smith Barney LLC. Member SIPC
Doug works with families, corporate executives and serial entrepreneurs. He places a high premium on delivering quality service while implementing strategies that align with his clients’ financial goals. To this end, he helps his clients build diversified portfolios and, when suitable, incorporating alternative investments, such as hedge funds, private equity, and private real estate to differentiate returns from traditional markets. Doug also addresses complex stock issues such as concentrated and restricted stock management, stock option analysis, tax minimization and hedging strategies.
He began his financial services career as an Analyst for Smith Barney in Orange County, California. A few years later he moved to San Francisco to work with one of the leading wealth management teams on the West Coast. In this role, Doug was responsible for investment research and advice, with a particular focus on alternative investments. After several years at Merrill Lynch and the Private Banking and Investment Group, he joined Morgan Stanley to focus on serving the needs of a select group of families and individuals.
Doug earned his B.A. in Political Science/Business from the University of Southern California, where he was a Trustee Scholar.
He lives in the San Francisco Bay Area with his wife and daughter.
2023 Forbes Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-In-State
Source: Forbes.com (August 2023) Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-In-State ranking awarded in 2023. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 3/31/22 - 3/31/23. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC for placement on its rankings. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking 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 opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience; investors must carefully choose the right Financial Advisor or team for their own situation and perform their own due diligence. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
© 2023 Morgan Stanley Smith Barney LLC. Member SIPC
Securities Agent: NJ, CA, FL, DC, TX, NM, MT, AZ, MD, MA, IL, CT, WA, OK, IN, OH, NV, MN, GA, NC, WY, TN, HI, CO, SC, ID, VT, OR, MO, UT, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 851081
CA Insurance License #: 0I35002
NMLS#: 851081
CA Insurance License #: 0I35002
Contact David Lowry
Contact George C Rach
Contact Doug Quintero
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1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
CRC 6491812 (04/2024)
