The Lowe Group at Morgan Stanley

Patrick Lowe is focused on excellence. He brings that dedication to top achievement to his cycling, scuba diving and photography. But his commitment to superior performance is most evident in the attention and results he delivers to his clients.

For more than 20 years Patrick has been managing the portfolios of ultra-high net worth individuals from the worlds of sports, entertainment and business, as well as hospitals, non-profit foundations, and multigenerational families. He has a particular insight into managing the portfolios of individuals with ultra-high net worths, but whose streams of income may be unpredictable. This is just one of the reasons why Forbes just named Patrick one of 2022’s best wealth advisors in Los Angeles for high net worth clients. This follows his receiving the same designation in 2021.

Patrick focuses on managing portfolios with discretionary authority, after having conducted deep dive conversations to understand each client’s unique challenges, aspirations, risk tolerance, and short-, intermediate-, and long-term needs. He combines that active portfolio management focus with offering customized wealth preservation and distribution solutions, insurance analysis, cash flow optimization, retirement planning, and strategies for charitable giving.

It was when launching his financial services career at Salomon Smith Barney that Patrick first discovered his love for connecting with clients. That was also where he discovered his love for his best friend, wife and eventual business partner, Charlie. Together they developed a unique approach, offering boutique-level attention coupled with the experience of a large practice. After together spending time with UBS, Merrill Lynch, and Wells Fargo, Patrick and Charlie have come full circle, joining Morgan Stanley Wealth Management, which had purchased Smith Barney in 2009.

Patrick’s drive extends beyond his business and hobbies to family and being of service. He and Charlie have two sons, Brandon and Matt, and volunteer their spare time to numerous charitable organizations in southern California. The Lowes are active in their faith community, Calvary Community Church. On many weekends you can find Patrick playing a mean bass guitar at services; just one more area where he’s focused on excellent performance.

Charlie Lowe grew up in the financial services industry…literally. She bought her first stock at the age of 12 with the encouragement of her father, a financial advisor, and her mother, who worked in financial operations. By the time she entered high school, Charlie had a solid portfolio and a definite career path.

That’s the kind of forethought and planning Charlie brings to the management of the portfolios of ultra-high net worth individuals—many from sports and entertainment—multigenerational families, corporate executives, entrepreneurs, hospitals, and non-profit foundations she works with at The Lowe Group. As a Senior Portfolio Manager, Charlie studies trends and developments that shape the investment environment, drive the economy and impact portfolio performance. She conducts initial and ongoing in-depth interviews with clients regarding the complications they face, their objectives, and their willingness to deal with market fluctuations, and then crafts and manages bespoke discretionary portfolios for them, based on those interviews. Charlie’s areas of focus are multifaceted: customized wealth preservation and distribution solutions, insurance analysis, cash flow optimization, retirement, charitable giving, and investment allocation. Her financial philosophy is straightforward: markets are efficient and if you invest in a prudent, dispassionate manner you’ll make money. She is driven to determine where markets are going so she can make a positive difference in her clients’ lives.

After earning her MBA, with a concentration in finance, from Pepperdine, Charlie launched her financial advisory career at Salomon Smith Barney. More than 20 years later, after time with UBS, Merrill Lynch, and Wells Fargo, she “came home” when The Lowe Group joined Morgan Stanley Wealth Management, which had purchased Smith Barney in 2009.

Charlie’s drive extends beyond her clients’ success. She competes regularly in marathons and Spartan Races and recently climbed Mount Whitney, the highest mountain in the contiguous U.S. Having succeeded in the male-dominated financial services industry, Charlie is dedicated to empowering young girls and women through The W Source^® and WIN WIN Women. She’s active in her faith community and volunteers with Food Share, Habitat for Humanity, and Life Animal Rescue. She’s married to her best friend and business partner, Patrick, and has two sons, Brandon and Matt.

Cynthia brings 24 years of experience to The Lowe Group of Morgan Stanley. She began her career in the financial services industry in 1998 and 20 years have been mostly spent at Morgan Stanley. She is a valuable part of the Lowe Group and is committed to building long lasting relationships and providing superior white glove service. Cynthia is a key point of contact for clients, she is a resourceful problem-solver, working to deliver customer service at an exceptionally high level. This, along with her friendly demeanor, makes Cynthia an important member of the team. She takes pride in spending as much time as necessary to help clients with their account needs, whether it’s opening accounts, responding to client inquiries, preparing client reports, assisting with client related research projects as other special projects. But in large measure, Cynthia comes by her nurturing skills naturally: she’s the mother of two and the step mother of six more. As a result, Cynthia is an extraordinary listener who’s able to anticipate what a client needs, and then work to meet those needs quickly and accurately.

Stephanie Krueger began her career with Morgan Stanley in 2017. She cultivates and enhances new and existing client relationships through active communication with clients. Stephanie prides herself in partnering with her Financial Advisors in developing a business plan and delivering against a client service model. She actively engages in training and education programs – including firm strategic priorities and professional development. Stephanie earned her BA in Sociology from UCSB and is Series 7 & 66 licensed. Outside of work, she enjoys traveling to beautiful outdoor locations, reading a good book, and has most recently discovered (and loves) wine tasting.