The Houston Constellation Group at Morgan Stanley

Arturo Karakowsky joined the firm in 2007 after moving from Monterrey, Mexico where he was born and raised. His clients include both domestic and international High Net worth individuals and business owners. He utilizes the robust investment platforms and products Morgan Stanley offers, while delivering his clients with the best execution and service possible.

Arturo completed the prerequisite courses for the CFP^® at Rice University and passed the exam in June 2010, becoming a Certified Financial Planner^®, thus enabling him to service a client market that expects this certification. He seeks to create a financial strategy that is tailored to each individual client's risk and investment profile. He works with the highest integrity to provide top quality service for his clients.

Arturo is passionate in staying connected and involved in the local community. He currently involved in the following Associations: The Shlenker School, Camp Young Judaea, The Emery Weiner School, and Congregation Brith Shalom. Arturo, his wife Debbie, and their four children live in Houston, Texas.

2023-2024 Forbes America's Top Wealth Management Teams
Source: Forbes.com (Awarded 2023-2024) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.

2024 Barron’s Top 250 Private Wealth Management Teams ranking
Source: Barron's.com (Awarded May 2024) Data compiled by Barron's based on time period from Jan 2023-Dec 2023.

2022-2024 Forbes "Best-In- State" Wealth Advisors
Source: Forbes.com (Awarded 2022-2024) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.

2017-2022 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2017-2022). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.

Demi joined Morgan Stanley in 2011. As a financial advisor, Demi works closely with clients to help develop a customized plan and investment strategy. Demi’s experience includes financial planning, investment allocation, and alternative investments. Since joining Morgan Stanley, Demi has worked closely with executives across the country and focuses on equity compensation. She is committed to working with clients in meeting their needs and wishes from Day 1 to advising for future generations.

Demi is currently a Board Member of Raise Up Families and is passionate about spreading financial wellness throughout different communities.

Demi graduated from the University of Texas with a B.A in Economics and received her MBA from the University of St. Thomas. She resides in Houston with her husband, John.



Disclosure:
Alternative investments often are speculative and include a high degree of risk. Investors could lose all or a substantial amount of their investment. Alternative investments are appropriate only for eligible, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. They may be highly illiquid and can engage in leverage and other speculative practices that may increase the volatility and risk of loss. Alternative Investments typically have higher fees than traditional investments. Investors should carefully review and consider potential risks before investing.

Past performance is no guarantee of future results. Actual results may vary. Diversification does not assure a profit or protect against loss in a declining market.

Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.

Ashley works diligently with our client’s to carry out integrated financial plans. Our comprehensive approach to wealth management centers around creating a plan tailored to each individual client. Ashley helps create a plan that fits the particular client’s vision and follows through with the execution and implementation of it through our trading platforms. A graduate of Southern Methodist University, Ashley joined Morgan Stanley and its predecessors in 2006. She received her MBA from The University of St. Thomas in 2011. Ashley and her husband, Ken, reside in Houston with their two sons.

Antonio is an International Advisor at Morgan Stanley. He joined Morgan Stanley in 2016, prior he worked as an International Private Banker.

Antonio primarily focus is with international clients, High Net Worth individuals and top executives that seek to diversify their investments outside their home country. Antonio enjoys working with each client to provide specific advice and investment strategy according to his clients’ needs.

Originally from Mexico, Antonio holds a Bachelor’s degree in Marketing from ITESM (Instituto Tecnologico de Estudios Superiores de Monterrey).

In his spare time Antonio enjoys spending time with his family. He has a passion for horses which he shares with his family.

Jenny joined the firm in 2010 after moving from New York City, where she served as senior controller for Fortress Investment Group/D.B. Zwirn & Co. Her prior experience also includes Lehman Brother and Deutsche Bank. In her prior capacities, she gained a strong understanding of financial markets and investment strategies.

For the past 10 years working directly with individual clients, she recognizes the importance of acting as their biggest financial advocates by understanding their long term goals, life stage and tolerance for risk. In doing so, she can provide thoughtfully tailored solutions, using a broad array of traditional and alternative investment products offered through Morgan Stanley. The client’s confidence regarding their financial well-being is her primary goal. Jenny holds a Bachelor of Business Administration degree with a major in Accounting from Belmont University.

Alternative investments often are speculative and include a high degree of risk. Investors could lose all or a substantial amount of their investment. Alternative investments are suitable only for eligible, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. They may be highly illiquid and can engage in leverage and other speculative practices that may increase the volatility and risk of loss. Alternative Investments typically have higher fees than traditional investments. Investors should carefully review and consider potential risks before investing.

Larry’s 30-plus years of experience in the financial services business has afforded him the distinct opportunity to appreciate that each client is unique. His client relationships begin with a through assessment of factors such as lifestyle, family and goals. In the initial stages, Larry spends an extraordinary amount of time posing pertinent questions that in turn help him to elicit the client’s current and ideal financial situation. He then helps create a customized wealth strategy, incorporating Morgan’s Stanley’s vast resources, to help each client reach their goals. Larry remains in communication with his clients and adapts his plans to changing markets and life circumstances accordingly. In partnership with each client, Larry imparts his experience regarding asset allocation as it relates to risk and volatility.

Larry was named to the Forbes 2022-2024 Best in State Wealth Advisors.

Larry and his wife Elisha have two daughters and live in Houston, Texas. Larry generously volunteers his time and resources to numerous nonprofits and takes pride in teaching the financial services business to his summer interns.

2022-2024 Forbes "Best-In- State" Wealth Advisors
Source: Forbes.com (Awarded 2022-2024) Data Compiled By Shook Research LLC Based On Time Period from 2022-2024.

Sandra started her career at E.F. Hutton in 1986. In 1999, Sandra joined Margo in assisting with business development and client relationships. She is the point person for all of the day to day operational duties. In her free time, Sandra enjoys her children and grandchildren, traveling and reading.

Diana was in Banking since 1981 and joined Morgan Stanley securities investment in 2009 on the International Client platform in account servicing.

Diana has worked diligently with International and Domestic clients throughout her tenure. She is a registered sales assistant involved in daily operational tasks in servicing client financial needs.

Diana enjoys working on home projects and spending time with her four grandchildren.

Carmen started in banking in 1997 and transitioned to the securities investment side in 2002, where she ultimately became registered in August of 2004. Carmen holds the following licenses: 7, 66, 9 and 10.

Carmen works diligently with International and Domestic clients. She is involved in the daily operational tasks in servicing their financial needs.

Cory focuses on the analytics for the team. He reviews client accounts to monitor their asset allocation and make sure they are in line with the client’s current financial plan. He also reviews the current asset managers the team uses to track performance.

Cory served 6 years in the military and graduated from Texas A&M with a B.B.A in Finance.

Erika focuses on the scheduling, planning and preparation of client meetings. She prepares client reports and presentations and assists with day-to-day operational duties. Her main focus is the organization of the team. Erika holds the following licenses: 7 and 66.

Erika received her MBA with a concentration in Internal Business from the University of The Incarnate Word in San Antonio, Texas. She resides in Houston with her husband Richard and two children, Isabella and Richard Harrington.

Nancy plays a key role in for supporting our team providing our clients with everything they need. She makes sure clients have accurate, up-to-date information and helps them maintain their accounts and their cash flow needs. Nancy is often the first person clients (or team members) call when they have questions or problems. Her goal is to ensure that each client has the best possible experience in every interaction.

Nancy has been working in the financial services industry for 30+ years, having spent the majority of her career with Merrill Lynch. Prior to coming to Morgan Stanley in 2021, her positions included Team Financial Advisor and Financial Advisor.

Nancy is the proud parent of four fur-babies – Charli, Aslan, Joyee and Penny. She is an active member of St. Laurence Catholic Church in SugarLand and has a passion for biking and nature.

With dedicated experience in international business since 2007, Erica brings a wealth of expertise to our team at Morgan Stanley. Born and raised in the vibrant border town of El Paso, Texas, she embodies the unique blend of cultures and perspectives that define our interconnected global economy. Fluent in both English and Spanish, Erica is committed to providing comprehensive financial solutions tailored to meet the diverse needs of our clients.