Patrick Lowe
Executive Director, Financial Advisor, Senior Portfolio Manager, Global Sports and Entertainment Director
Phone:
(818) 713-4753(818) 713-4753
The Lowe Group at Morgan Stanley
Direct:
(818) 713-4752(818) 713-4752
Our Mission Statement
Taking a holistic approach to the wealth management process so that we can not only help you walk through your financial journey, but your life journey as well.
Our Story and Services
The Lowe Group focuses on enhancing the quality of our clients’ lives by taking a holistic approach to investment management. We are trusted advisors in our community, and we consider ourselves fortunate to have clients both near and far. Our commitment begins in the present and charts a course for your ideal financial future.
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
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). 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 20242021, 2022, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021, 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. 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.
HOW WE MANAGE YOUR MONEY
There comes a point when managing one's assets turns into a full time job. As your life evolves and grows more complex, your financial strategy-and the options for implementing that strategy- tends to grow in complexity as well, leaving you with less time to focus on what is important to you. In such circumstances, it makes sense to partner with an experienced professional who understands your financial needs and can dedicate the time and resources necessary to help you meet them.
That's where we come in! Our advisors will work with you to help translate your goals into a specific investment objective and personalized investment strategy. Then, utilizing our Portfolio Manager's knowledge, team's experience, and Morgan Stanley's resources, we will structure your portfolio for you. We'll continuously monitor your investments and evaluate the strategy, striving to bring you closer to your definition of investment success.
Our four-step investment process helps develop a long-term perspective about building and managing wealth.
That's where we come in! Our advisors will work with you to help translate your goals into a specific investment objective and personalized investment strategy. Then, utilizing our Portfolio Manager's knowledge, team's experience, and Morgan Stanley's resources, we will structure your portfolio for you. We'll continuously monitor your investments and evaluate the strategy, striving to bring you closer to your definition of investment success.
Our four-step investment process helps develop a long-term perspective about building and managing wealth.
Portfolio Management Process Highlights
1. Client Focus: Each account can be individually customized to meet your requirements for growth, income or preservation of capital within your risk constraints.
2. Active Management and Daily Oversight: Continual asset allocation and investment review.
3. Quick & Timely Changes: Having discretionary authority gives us the flexibility to make timely decisions based on market events.
4. Emotionless Decision Making: Discretionary decisions are made based on facts and investment strategy.
5. Comprehensive Communications: Throughout your relationship, you’ll have direct access to the investment professional managing your portfolio.
6. Asset-Based Pricing: Pricing for the program is based on your account’s asset level, not on the number of transactions performed in a given time period.
2. Active Management and Daily Oversight: Continual asset allocation and investment review.
3. Quick & Timely Changes: Having discretionary authority gives us the flexibility to make timely decisions based on market events.
4. Emotionless Decision Making: Discretionary decisions are made based on facts and investment strategy.
5. Comprehensive Communications: Throughout your relationship, you’ll have direct access to the investment professional managing your portfolio.
6. Asset-Based Pricing: Pricing for the program is based on your account’s asset level, not on the number of transactions performed in a given time period.
PLANNING FOR EVERY STAGE OF LIFE
The Lowe Group believes financial wellbeing begins with having a Financial Plan. Your stage in life will determine the type of planning needs and questions you have. Do you have a plan in place?
Wealth Building
Typically, our clients under 55 are in prime working years. In this life stage, you'll make a majority of your lifetime consumer purchases, while also making crucial financial decisions that will impact the rest of your life. Questions to ask yourself regarding wealth building are:
1. Am I saving enough to retire when I want?
2. Should I be saving for my children's education? How?
3. Am I taking full advantage of my employer benefits?
1. Am I saving enough to retire when I want?
2. Should I be saving for my children's education? How?
3. Am I taking full advantage of my employer benefits?
Retirement Planning
Most often our clients between 55 and 75, are in a period consisting of a few years leading up to retirement and the first several years of retirement. While the heavy lifting is done during your Wealth Building years, a customized financial strategy is crucial in this stage for a successful retirement.
1. What's my retirement income plan?
2. When should I start taking Social Security?
3. What happens if I need long term care down the road?
1. What's my retirement income plan?
2. When should I start taking Social Security?
3. What happens if I need long term care down the road?
Legacy Planning
After enjoying retirement for several years, our clients, typically those over 75, begin contemplating different goals. Instead of focusing on wealth building and distribution, the focus shifts to how they want
to leave their legacy.
1. Should I start gifting from my estate now?
2. When I pass, will my financial wishes be carried out?
3. What will happen to my spouse when I pass away?
If you find yourself struggling to answer these questions, feel free to reach out to us via the Contact Us button at the top of our website.
to leave their legacy.
1. Should I start gifting from my estate now?
2. When I pass, will my financial wishes be carried out?
3. What will happen to my spouse when I pass away?
If you find yourself struggling to answer these questions, feel free to reach out to us via the Contact Us button at the top of our website.
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth ManagementUNDERSTAND, 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. They are equipped in providing financial advising services to professionals in all areas of entertainment from athletes to artists, actors, content creators, and beyond.
Working exclusively in sports and entertainment, Charlie and Patrick understand the unique demands that come with a career as a professional athlete, coach or industry executive. Their experience understanding schedules, variability of income, and the demands that come from life inside and outside of a profession in sports gives them the ability to tap into a range of resources needed to address your unique immediate financial challenges, and to create comprehensive plans to help reach your long-term goals.
You're Unique and We Know Why
There's nothing common about you—not your talent, your drive, your achievements or even your challenges. From your variable income streams to your taxes, from your obligations to your aspirations, "typical" is not part of your vocabulary. You need distinctive financial strategies that can match your lifestyle and career trajectory.
Concentrated Experience in Capable Hands
Morgan Stanley Global Sports & Entertainment was developed to respond to the specific needs of sports and entertainment professionals at every stage of their careers. Both Patrick and Charlie understand your unique financial opportunities and challenges. They know how money flows from your work to your wallet and live in your world, day in, day out, crafting innovative financial strategies unique to you.
Tailored Advice to Help Meet Your Life's Goals
You can leverage the vast resources of Morgan Stanley, one of the world's largest and most respected wealth management firms, to address any objective, from building and preserving wealth to starting a philanthropic foundation and expanding your brand. Whatever aspirations you have for yourself, your family and your community, we present strategies, products and services customized to help you reach your goals, your way.
Embrace the Power of Team
You have a handful of people who have supported you, encouraged you and watched your back. Our team routinely work in partnership with other trusted advisors to guide financial decision-making. We support and respect your personal confidants, combining our strengths to help bring you greater success.
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
Phone:
(818) 713-4790(818) 713-4790
About Me
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.
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.
Securities Agent: NC, ID, AR, TX, MO, WI, KS, TN, PA, CA, WA, OR, AZ, ND, IL, NM, HI, NV, MA, LA, FL, CO, OH, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 557649
CA Insurance License #: 557649
NMLS#: 557649
CA Insurance License #: 557649
About Charlie Lowe, MBA
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.
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.
Securities Agent: OR, OH, ND, HI, NM, MN, ID, WA, TX, TN, CO, IL, MO, NV, NC, MA, LA, CA, AZ, WI, PA, KS, FL, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 557671
CA Insurance License #: 557671
NMLS#: 557671
CA Insurance License #: 557671
About Cynthia Lemus
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.
About Stephanie Krueger
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.
Contact Patrick Lowe
Contact Charlie Lowe, MBA
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
Londyn Crowder-Maree
Private Banker
Keller Casey
Planning Associate
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.
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
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
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
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
Donor Advised Funds: A Smart Way to Manage Your Giving
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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.
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
9The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
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.
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.
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
9The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
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)