Patrick Lowe
Executive Director, Financial Advisor, Senior Portfolio Manager, Global Sports and Entertainment Director
Phone:
(818) 713-4753(818) 713-4753
Industry Award WinnerOur Mission Statement
Wealth is multi-dimensional. So is our approach. From protecting wealth to legacy planning, we help affluent families manage every layer of their financial lives with clarity, intention, and purpose.
Our Story and Services
What's Your Why?
Maybe your wealth reflects years of hard work and sacrifice, or the security you've built for your family. Perhaps it's the freedom to live life on your terms — how you spend your time, where you go, and who you help along the way. For some, it's the business that became more than just a company. For others, it's the vacation house that brings generations together each summer. Maybe it's the foundation you're building in memory of a loved one, or the quiet pride of giving your children more choices than you had. Whatever it is, your wealth carries meaning. And that meaning is where we begin.
Beyond the Balance Sheet
As Financial Advisors at Morgan Stanley, we've spent decades advising ultra-high-net-worth families and individuals. While the specifics of wealth — real estate, equities, art collections — may change, the essence remains. Your wealth is personal, emotional, and deeply connected to your values. That's why we approach every strategy with a deep understanding of what your wealth means to you.
Excellence at Every Level
What sets us apart is not just performance, but our ability to integrate every layer of your life into one coherent strategy. Whether it's managing intricate investments for tax-efficiency, facilitating business transitions, or working with Family Office Resources to create bespoke family governance strategies, our comprehensive approach blends our own deep experience with the institutional-caliber resources of Morgan Stanley. The result? A comprehensive strategy designed to help address every facet of your wealth with precision and care.
Let's Start with Your Why
Together, we can design a wealth strategy that reflects your values, vision, and goals. To start the conversation, please give us a call at (818) 713-4752.
Services Include
- Professional Portfolio ManagementFootnote1
- Alternative InvestmentsFootnote2
- 401(k) Rollovers
- Wealth ManagementFootnote3
- Wealth PlanningFootnote4
- Structured ProductsFootnote5
- Retirement PlanningFootnote6
- Philanthropic ManagementFootnote7
- Cash Management and Lending ProductsFootnote8
- Sustainable InvestingFootnote9
- Fixed IncomeFootnote10
- Financial PlanningFootnote11
- Estate Planning StrategiesFootnote12
- 529 PlansFootnote13
- Asset Management
- Cash ManagementFootnote14
- Corporate BondsFootnote15
- Business Succession PlanningFootnote16
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Forbes Best-In-State Wealth Management Teams 2024 & 2025
The Forbes ranking of Best-In-State Wealth Management Teams, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone, virtual and in-person due diligence interviews, and quantitative data. This qualitative criteria focuses on studying each team’s best practices—service models, investing process, team construct, skill sets, etc. The algorithm also weighs factors like revenue trends, assets under management, compliance records.
2024 & 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
The Lowe Group: Forbes Best-In-State Wealth Management Teams 20252024 & 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
Forbes Best-In-State Wealth Advisors 2021, 2022, 2024, 2025
The Forbes ranking of Best-In-State Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative criteria, gained through telephone, virtual and in-person due diligence interviews, and quantitative data. Those advisors that are considered have a minimum of seven years experience, and the algorithm weighs factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices in their approach to working with clients.
2021, 2022, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021, 2022, 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
Patrick Lowe: Forbes Best-In-State Wealth Advisors 20252021, 2022, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021, 2022, 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
Forbes Top Women Wealth Advisors Best-In-State 2024 & 2025
The Forbes ranking of America’s Top Women Wealth Advisors and Top Women Wealth Advisors Best-In-State, developed by SHOOK Research, is based on an algorithm of qualitative data, learned through surveys and interviews conducted by telephone, in-person and virtually to evaluate best practices, such as service models, investing models and compliance records as well as quantitative data, such as revenue trends and assets under management.
2024 & 2025 Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Feb 2024 & 2025) Data compiled by SHOOK Research LLC based on a 12-month period concluding in September of the year prior to the issuance of the award.. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
Charlie Lowe: Forbes Top Women Wealth Advisors Best-In-State 20252024 & 2025 Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Feb 2024 & 2025) Data compiled by SHOOK Research LLC based on a 12-month period concluding in September of the year prior to the issuance of the award.. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
Charlie and Patrick Lowe Named to Master's Club at Morgan Stanley Wealth Management 2024
The Firm's prestigious Master's Club is an elite group composed of the Firm's top 1,150 Financial Advisors. The appointment recognizes Charlie and Patrick's consistent creativity and excellence in providing a wide range of investment products and wealth management services to their clients.
Morgan Stanley Wealth Management Master’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Master’s Club membership is no guarantee of future performance.
Morgan Stanley Wealth Management Master’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Master’s Club membership is no guarantee of future performance.
Global Sports and Entertainment Directors
Global Sports and Entertainment Directors, chosen for their advanced experience working within very specific fields. They understand the total financial picture and craft creative financial strategies that account for the unique challenges and dynamics of our clients’ careers. As Global Sports and Entertainment Directors, Patrick and Charlie have the dedicated experience, continuing education and access to world-class resources needed to understand the complexities and pressures facing high-achieving professionals in the entertainment and sport industries, and to help them make smart choices about how they save, spend, invest, borrow, preserve and give.
Senior Portfolio Managers
As Senior Portfolio Managers, Patrick and Charlie study trends and developments that shape the investment environment, drive the economy and impact portfolio performance. They conduct 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.
MBA (Master of Business Administration)
In addition to her undergraduate degree from California Lutheran University, Charlie Lowe graduated with a Master of Business Administration (MBA), with a concentration in Finance from the Pepperdine Graziadio Business School.
Our Commitment to Preserving and Growing Family Legacies
At the heart of our practice is a deep commitment to preserving and growing family legacies. As a family team ourselves, we bring a personal understanding to the importance of aligning generations and values in the stewardship of wealth.
A Unified Vision.
No legacy is built in one generation. That’s why we work with you and your family to create a Family Mission Statement — a living document that reflects your core values and long-term goals. Reassessed annually, it helps reduce conflict, streamline decision-making, and unify your family’s wealth strategy.
Beyond the Basics.
Our services go far beyond investment management. From tax optimization and estate planning to business succession and philanthropic efforts, we leverage Morgan Stanley’s Family Office resources, offering bespoke solutions such as trusts, foundations, and tailored lending strategies to ensure wealth preservation and growth.
Facilitating Strategic Family Dialogue.
We understand that family wealth can be emotionally complex. Our role is to facilitate open, honest conversations around wealth transfer, governance, and legacy. Over the years, we’ve served in many different capacities — and hosted many family board meetings — to help ensure sensitive topics are addressed thoughtfully and with care.
Education is the Cornerstone of Lasting Wealth.
We believe multigenerational success isn't just about passing down assets — it’s about helping future generations prepare to manage it responsibly. Through personal conversations and financial education, we help empower the next generation to become informed stewards of your wealth.
Case Study 1: Turning Concentration into Opportunity
A client approached us with a highly appreciated stock position they had held for years — a source of pride, but also a major tax challenge. They were philanthropic by nature, but also looking for steady income. To help meet both goals, our team introduced a solution that helped them reduce their tax liability and generate income over time — all while supporting causes they care deeply about. The result was a tax-efficient strategy that helped transform a legacy position into a long-term giving and income vehicle.
Case Study 2: A Smarter Way to Help Reduce Taxes and Reframe Insurance
A client came to us with a portfolio rich in unrealized gains and a suite of outdated strategies originally intended for tax-efficiency. With regulations and needs having shifted, our team got to work. We helped craft a targeted tax strategy to that sought to offset portfolio gains while preserving portfolio balance. Then, we helped adjust their planning to better address current priorities — shifting focus from outdated objectives to more relevant goals like long-term care and wealth preservation. Together, these moves not only helped improve their tax efficiency, but helped align their plan with current needs and goals.
Case Study 3: Navigating a Business Sale. And Everything That Comes With It.
For one of our clients, a significant financial transition marked the beginning of a new chapter for the entire family. Our team worked closely with the client, their partners, and Morgan Stanley’s specialists to help craft a seamless strategy for managing the event. But the work didn’t stop there. Because the transition created a host of complex family needs — from charitable giving to lending solutions. With multiple generations involved, we helped unify the family’s financial picture, hosting board-style family meetings that helped set the stage for a lasting family legacy.
UNDERSTAND, ADVISE, DELIVER... SUCCEED
As Global Sports and Entertainment Directors, Patrick and Charlie Lowe have the dedicated experience, continuing education and access to world-class resources needed to understand the complexities and pressures facing high-achieving professionals in the sport and entertainment industries, and to help them make smart choices about how they save, spend, invest, borrow, preserve and give.
Built for the Big Stage.
We work with professionals who perform at the highest level — on the court, on camera, in the studio, and in the boardroom. As Morgan Stanley Global Sports & Entertainment Directors, we're deeply attuned to the unique financial demands that come with fame, fluctuating income, and fast-paced careers. Our job is to help turn peak earning years into a foundation for long-term, multigenerational wealth.
Where Star Power Meets Staying Power.
Sudden wealth, compressed earning windows, and high public visibility demand a disciplined, discreet, and highly customized approach. That's why we build sophisticated strategies around your career arc — incorporating tax mitigation, insurance planning, real estate lending, and private investments — to help you preserve what you've earned and prepare for what's next.
Your Inner Circle, Aligned.
We understand the importance of collaboration. That's why we coordinate closely with agents, attorneys, and business managers to help ensure your financial life is integrated and intentional — not just reactive. We're here to help protect your future.
From Center Stage to Stewardship.
Whether you're signing your first deal or launching a business empire, we bring the full power of Morgan Stanley's Global Sports & entertainment platform to your side — with the resources, relationships, and rigor to support you at every step.
Location
21650 Oxnard Street
1800
Woodland Hills, CA 91367
US
Direct:
(818) 713-4752(818) 713-4752
Meet The Lowe Group
Charlie Lowe, MBA
Executive Director, Financial Advisor, Senior Portfolio Manager, Global Sports and Entertainment Director
Phone:
(818) 713-4752(818) 713-4752
Cynthia Lemus
Senior Client Service Associate
Phone:
(818) 713-4737(818) 713-4737
Stephanie Krueger
Portfolio Associate, Financial Planning Specialist
Phone:
(818) 713-4790(818) 713-4790
About Me
Patrick Lowe is an Executive Director, Financial Advisor, Senior Portfolio Manager, and Global Sports and Entertainment Director with The Lowe Group at Morgan Stanley. As co-founder of the Forbes Best-In-State Wealth Management Team (2024 & 2025), he brings more than 25 years of experience advising ultra-high-net-worth individuals, families, and institutions — including athletes, entertainers, entrepreneurs, hospital foundations, and nonprofit organizations.
After beginning his career at Salomon Smith Barney, Patrick went on to join UBS, Merrill Lynch, and Wells Fargo before returning to the Morgan Stanley platform. At the firm, Patrick earned the elite title of Global Sports and Entertainment Director — reflecting the depth of his experience and understanding of the unique challenges clients face when managing significant wealth and narrow windows for earnings. Over the years, his dedication to client success has earned him national recognition, including being named to the Forbes Best-In-State Wealth Advisors list in 2021, 2022, 2024, and 2025.
As a Senior Portfolio Manager, Patrick focuses on The Lowe Group’s discretionary investment strategy; delivering bespoke, tax-aware portfolios designed to evolve alongside the needs of each client. His broad proficiency spans the nuanced financial lives of ultra-high-net-worth individuals and families — particularly those with complex balance sheets or concentrated, unpredictable income streams, such as professional athletes, entertainers, and entrepreneurs. Blending disciplined portfolio construction with advanced planning around retirement income, liquidity, insurance, and philanthropy — he and the team help manage risk and grow wealth with purpose over many decades and multiple generations.
Outside the office, Patrick channels his drive into endurance sports, scuba diving, and photography — and he’s never far from a bass guitar. A man of faith and service, Patrick volunteers through his local church and supports a variety of Southern California causes alongside Charlie. Together, they live in California with their two sons, Brandon and Matt.
2024 & 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
2021, 2022, 2024, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021, 2022, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of year prior to the issuance of the award. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
After beginning his career at Salomon Smith Barney, Patrick went on to join UBS, Merrill Lynch, and Wells Fargo before returning to the Morgan Stanley platform. At the firm, Patrick earned the elite title of Global Sports and Entertainment Director — reflecting the depth of his experience and understanding of the unique challenges clients face when managing significant wealth and narrow windows for earnings. Over the years, his dedication to client success has earned him national recognition, including being named to the Forbes Best-In-State Wealth Advisors list in 2021, 2022, 2024, and 2025.
As a Senior Portfolio Manager, Patrick focuses on The Lowe Group’s discretionary investment strategy; delivering bespoke, tax-aware portfolios designed to evolve alongside the needs of each client. His broad proficiency spans the nuanced financial lives of ultra-high-net-worth individuals and families — particularly those with complex balance sheets or concentrated, unpredictable income streams, such as professional athletes, entertainers, and entrepreneurs. Blending disciplined portfolio construction with advanced planning around retirement income, liquidity, insurance, and philanthropy — he and the team help manage risk and grow wealth with purpose over many decades and multiple generations.
Outside the office, Patrick channels his drive into endurance sports, scuba diving, and photography — and he’s never far from a bass guitar. A man of faith and service, Patrick volunteers through his local church and supports a variety of Southern California causes alongside Charlie. Together, they live in California with their two sons, Brandon and Matt.
2024 & 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
2021, 2022, 2024, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021, 2022, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of year prior to the issuance of the award. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
Securities Agent: AZ, AK, ND, KY, IL, NM, HI, NV, MA, LA, FL, CO, OH, TN, PA, CA, WA, OR, MN, TX, MO, WI, KS, NY, NC, ID, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 557649
CA Insurance License #: 557649
NMLS#: 557649
CA Insurance License #: 557649
About Charlie Lowe, MBA
Charlie Lowe is an Executive Director, Financial Advisor, Senior Portfolio Manager, and Global Sports and Entertainment Director with The Lowe Group at Morgan Stanley. As co-founder of the Forbes Best-In-State Wealth Management Team (2024 & 2025), she brings decades of experience and some of the industry’s most prestigious credentials to her work advising ultra-high-net-worth individuals, families, and institutions — including athletes, entertainers, entrepreneurs, hospital foundations, and nonprofit organizations.
A graduate of Pepperdine University with an MBA in finance, Charlie has built a distinguished career spanning decades of leadership in private wealth management. Prior to joining Morgan Stanley, she held senior positions at UBS, Merrill Lynch, and Wells Fargo. Throughout her career, she has built a reputation for delivering advanced wealth strategies to clients with highly complex financial lives, and her work has earned national recognition, including back-to-back placements on Forbes list of Best-In-State Women Advisors in 2024 and 2025.
Today, Charlie is directly involved in every aspect of the team’s wealth management service — from macro-level asset allocation, investment planning, and multi-generational estate design to liquidity management, advanced tax strategies, insurance architecture, and philanthropic structuring. Her guidance is particularly sought after by executives and entrepreneurs with concentrated equity positions, for whom she engineers sophisticated, tax-aware diversification strategies that often incorporate charitable remainder trusts, lead trusts, and other long-horizon planning vehicles that can help diversify holdings and build tax-efficient retirement income. Charlie also serves as a trusted advisor to multigenerational families, philanthropic foundations, and nonprofit institutions with long-term investment mandates.
As Senior Portfolio Manager, Charlie crafts discretionary portfolios precisely aligned with each client’s cash flow dynamics and legacy ambitions; while her elite Global Sports and Entertainment Director designation reflects her ability to address the unique needs of high-profile clients navigating complex, variable income streams. For every client, she drives a holistic wealth planning process with relentless precision, delivering a truly unparalleled, white-glove experience to help clients preserve capital, create meaningful impact, and navigate the demands of generational wealth with clarity at every stage.
Outside the office, Charlie is an accomplished endurance athlete who has conquered marathons, Spartan races, and the summit of Mount Whitney — the highest peak in the contiguous U.S. As a committed mentor and advocate, she invests in the next generation of women leaders through organizations like The W Source® and other initiatives empowering women and girls. In her free time, Charlie deeply engages in her local community, supporting impactful causes such as Food Share, Habitat for Humanity, and Life Animal Rescue.
2024 & 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
2024 & 2025 Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Feb 2024 & 2025) Data compiled by SHOOK Research LLC based on 12-month period concluding in September of the year prior to the issuance of the award.. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
A graduate of Pepperdine University with an MBA in finance, Charlie has built a distinguished career spanning decades of leadership in private wealth management. Prior to joining Morgan Stanley, she held senior positions at UBS, Merrill Lynch, and Wells Fargo. Throughout her career, she has built a reputation for delivering advanced wealth strategies to clients with highly complex financial lives, and her work has earned national recognition, including back-to-back placements on Forbes list of Best-In-State Women Advisors in 2024 and 2025.
Today, Charlie is directly involved in every aspect of the team’s wealth management service — from macro-level asset allocation, investment planning, and multi-generational estate design to liquidity management, advanced tax strategies, insurance architecture, and philanthropic structuring. Her guidance is particularly sought after by executives and entrepreneurs with concentrated equity positions, for whom she engineers sophisticated, tax-aware diversification strategies that often incorporate charitable remainder trusts, lead trusts, and other long-horizon planning vehicles that can help diversify holdings and build tax-efficient retirement income. Charlie also serves as a trusted advisor to multigenerational families, philanthropic foundations, and nonprofit institutions with long-term investment mandates.
As Senior Portfolio Manager, Charlie crafts discretionary portfolios precisely aligned with each client’s cash flow dynamics and legacy ambitions; while her elite Global Sports and Entertainment Director designation reflects her ability to address the unique needs of high-profile clients navigating complex, variable income streams. For every client, she drives a holistic wealth planning process with relentless precision, delivering a truly unparalleled, white-glove experience to help clients preserve capital, create meaningful impact, and navigate the demands of generational wealth with clarity at every stage.
Outside the office, Charlie is an accomplished endurance athlete who has conquered marathons, Spartan races, and the summit of Mount Whitney — the highest peak in the contiguous U.S. As a committed mentor and advocate, she invests in the next generation of women leaders through organizations like The W Source® and other initiatives empowering women and girls. In her free time, Charlie deeply engages in her local community, supporting impactful causes such as Food Share, Habitat for Humanity, and Life Animal Rescue.
2024 & 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
2024 & 2025 Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Feb 2024 & 2025) Data compiled by SHOOK Research LLC based on 12-month period concluding in September of the year prior to the issuance of the award.. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
Securities Agent: IL, AZ, WA, TX, TN, OR, OH, ND, HI, AK, WI, PA, KS, FL, AR, NM, MN, KY, ID, NY, MO, NV, NC, MA, LA, CA, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 557671
CA Insurance License #: 557671
NMLS#: 557671
CA Insurance License #: 557671
About Cynthia Lemus
Cynthia Lemus is a Senior Client Service Associate with The Lowe Group at Morgan Stanley. With more than two decades of experience in the financial services industry—most of it at Morgan Stanley—Cynthia plays a pivotal role in delivering the team’s signature white-glove service to a select group of ultra-high-net-worth families, entrepreneurs, and entertainers.
Cynthia began her career in 1998 at Smith Barney. Over the years, she has also held roles at Well Fargo before joining Morgan Stanley. Her depth of experience across both client service and operational support makes her an invaluable resource to clients and colleagues alike.
As a trusted point of contact, Cynthia combines professionalism and empathy to provide an exceptional client experience at every turn. She supports a wide range of critical needs, including account openings, transfers, reporting, and time-sensitive inquiries. Known for her responsiveness and attention to detail, she brings a calm, solutions-oriented approach to even the most complex service requests — helping ensure clients feel cared for and connected.
Outside the office, Cynthia is just as committed to showing up for the people around her. As a mother of two and stepmother of six, she’s a natural listener and multitasker — skills that translate seamlessly into her work. Whether she’s managing logistics behind the scenes or guiding clients through a time-sensitive need, Cynthia brings a rare blend of heart, precision, and professionalism to everything she does.
Cynthia began her career in 1998 at Smith Barney. Over the years, she has also held roles at Well Fargo before joining Morgan Stanley. Her depth of experience across both client service and operational support makes her an invaluable resource to clients and colleagues alike.
As a trusted point of contact, Cynthia combines professionalism and empathy to provide an exceptional client experience at every turn. She supports a wide range of critical needs, including account openings, transfers, reporting, and time-sensitive inquiries. Known for her responsiveness and attention to detail, she brings a calm, solutions-oriented approach to even the most complex service requests — helping ensure clients feel cared for and connected.
Outside the office, Cynthia is just as committed to showing up for the people around her. As a mother of two and stepmother of six, she’s a natural listener and multitasker — skills that translate seamlessly into her work. Whether she’s managing logistics behind the scenes or guiding clients through a time-sensitive need, Cynthia brings a rare blend of heart, precision, and professionalism to everything she does.
About Stephanie Krueger
Stephanie Krueger is a Portfolio Associate and Financial Planning Specialist with The Lowe Group at Morgan Stanley. Since joining the firm in 2017, she has focused on delivering thoughtful, responsive service while helping clients feel empowered and informed throughout their financial journey.
Prior to joining Morgan Stanley, Stephanie earned her Bachelor’s degree from the University of California, Santa Barbara. She also brings a background in operations management, where she developed her strong foundation in process optimization, team collaboration, and systems oversight—skills that continue to influence her client service approach today. She holds both the Series 7 and Series 66 licenses and actively engages in the firm’s professional development and strategic training initiatives.
With The Lowe Group, Stephanie plays a key role in deepening client relationships and supporting the overall planning and investment efforts. She partners closely with the team’s Financial Advisors to help execute client service strategies and ensure a consistent, high-touch experience. Whether she’s assisting with account management, onboarding new clients, or preparing reports and planning materials, Stephanie brings a meticulous attention to detail and a sincere commitment to excellence.
Outside the office, Stephanie is an avid traveler who finds joy in exploring new places — especially those with breathtaking outdoor views. A lifelong learner, she’s always up for a great book, and has recently discovered a love for wine tasting, which she enjoys sharing with friends and family.
Prior to joining Morgan Stanley, Stephanie earned her Bachelor’s degree from the University of California, Santa Barbara. She also brings a background in operations management, where she developed her strong foundation in process optimization, team collaboration, and systems oversight—skills that continue to influence her client service approach today. She holds both the Series 7 and Series 66 licenses and actively engages in the firm’s professional development and strategic training initiatives.
With The Lowe Group, Stephanie plays a key role in deepening client relationships and supporting the overall planning and investment efforts. She partners closely with the team’s Financial Advisors to help execute client service strategies and ensure a consistent, high-touch experience. Whether she’s assisting with account management, onboarding new clients, or preparing reports and planning materials, Stephanie brings a meticulous attention to detail and a sincere commitment to excellence.
Outside the office, Stephanie is an avid traveler who finds joy in exploring new places — especially those with breathtaking outdoor views. A lifelong learner, she’s always up for a great book, and has recently discovered a love for wine tasting, which she enjoys sharing with friends and family.
Contact Patrick Lowe
Contact Charlie Lowe, MBA
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2021-2022, 2024-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2021-2022, 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2
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
Adam Hughes
Associate Private Banker
Londyn Crowder-Maree
Private Banker
Keller Casey
Planning Associate
About Adam Hughes
Adam Hughes is an Associate Private Banker serving Morgan Stanley Wealth Management offices in California.
Associate Private Bankers partner with Private Bankers and 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.
Adam began his career in financial services in 2005 and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, he was a Private Banker at Wells Fargo.
Adam is a graduate of the Ventura College, where he received a Bachelor’s in Criminal Justice. He lives in Valencia, California with his family. Outside of the office, Adam enjoys outdoor activities, exploring new trails, hiking, and spending time with family.
Associate Private Bankers partner with Private Bankers and 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.
Adam began his career in financial services in 2005 and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, he was a Private Banker at Wells Fargo.
Adam is a graduate of the Ventura College, where he received a Bachelor’s in Criminal Justice. He lives in Valencia, California with his family. Outside of the office, Adam enjoys outdoor activities, exploring new trails, hiking, and spending time with family.
NMLS#: 615046
About Londyn Crowder-Maree
Londyn Crowder-Maree 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.
Londyn began her career in financial services in 2008, and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, she was a Regional Bank Private Banker at Wells Fargo Bank, N.A. She also served as a Wealth Management Banker and an Internal Sales Specialist at Merrill Lynch.
Londyn is a graduate of Rutgers University, where she received Bachelor of Arts in Economics and a Masters of Business Administration from Florida Atlantic University in Boca Raton, FL. She lives in Valencia, CA with her daughter Jonah. Outside of the office, Londyn enjoys fashion, music as well as dedicating time to her church and philanthropic outreach programs.
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.
Londyn began her career in financial services in 2008, and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, she was a Regional Bank Private Banker at Wells Fargo Bank, N.A. She also served as a Wealth Management Banker and an Internal Sales Specialist at Merrill Lynch.
Londyn is a graduate of Rutgers University, where she received Bachelor of Arts in Economics and a Masters of Business Administration from Florida Atlantic University in Boca Raton, FL. She lives in Valencia, CA with her daughter Jonah. Outside of the office, Londyn enjoys fashion, music as well as dedicating time to her church and philanthropic outreach programs.
NMLS#: 800266
About Keller Casey
Keller Casey is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Keller provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from The University of Oklahoma and received the Financial Planning Specialist® designation from the College for Financial Planning. Keller is originally from Dallas, TX and currently resides in New York, NY.
He earned his undergraduate degree from The University of Oklahoma and received the Financial Planning Specialist® designation from the College for Financial Planning. Keller is originally from Dallas, TX and currently resides in New York, NY.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley 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 consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“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.
When 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.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley 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 consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“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.
When 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.
Wealth Management
From Our Team
The Lowe Group Team Brochure
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
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact The Lowe Group today.
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.
2Alternative 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
4Morgan Stanley 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 consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“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.
5Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
6When 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.
7Products 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.
Morgan Stanley Smith Barney LLC (“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.
8Morgan 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
9Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Morgan Stanley 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 consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
12Morgan Stanley Smith Barney LLC (“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 and other legal matters.
13Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
14Morgan 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
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
16Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
4Morgan Stanley 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 consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“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.
5Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
6When 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.
7Products 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.
Morgan Stanley Smith Barney LLC (“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.
8Morgan 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
9Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Morgan Stanley 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 consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
12Morgan Stanley Smith Barney LLC (“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 and other legal matters.
13Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
14Morgan 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
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
16Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 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.
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)