

The Lowe Group at Morgan Stanley

Our Mission Statement
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.
- 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

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.
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Meet The Lowe Group
About Me
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.
NMLS#: 557649
CA Insurance License #: 557649
About Charlie Lowe, MBA
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.
NMLS#: 557671
CA Insurance License #: 557671
About Cynthia Lemus
About Stephanie Krueger

Contact Patrick Lowe

Contact Charlie Lowe, MBA
The Power of Partnerships
About Adam Hughes
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.
About Londyn Crowder-Maree
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.
About Keller Casey
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.
The Lowe Group Team Brochure
Portfolio Insights
Retirement
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Philanthropy
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Wealth Management for Athletes and Entertainers
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
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.
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