Dale Miller
The Pacific Wealth Management Group at Morgan Stanley
Direct:
(425) 202-0623(425) 202-0623
Toll-Free:
(866) 865-3699(866) 865-3699
Our Mission Statement
We help our clients preserve, grow, and transfer their wealth with intention.
Navigating the Complexities of Significant Wealth
At The Pacific Wealth Management Group, we focus on what is most important to you, your family, and your organization. We provide the tailored advice, knowledge, and global resources needed to help you make informed, confident decisions about your current and future wealth. Above all, we are committed to helping make a meaningful difference in your life by bringing together the diverse skills, deep experience, and advanced credentials of our dedicated wealth management professionals.
The PWMG Advantage - Unlike other teams whose advisors provide similar services to all their clients, we strategically built our group to mirror today’s best law and medical practices. Our team includes investment advisors who are on-hand to tackle your specific needs as they arise. We invite you to visit the next sections on our website to see the areas of focus we cover and the advisors who are dedicated to each area of concentration.
Comprehensive Wealth Management with a Personal Touch - While our services may be wide in scope, our approach is individualized so we can help you grow, preserve, and transfer your wealth with intention. We receive great satisfaction knowing we are helping make a significant impact on the quality of our clients’ lives.
A Commitment to Excellence - We are proud of the signature service we have been providing our clients for decades and welcome the opportunity to deliver this same level of excellence to you. We look forward to speaking with you soon.
Our team's commitment to excellence has been documented by national publications. Most recently, the Pacific Wealth Management Group at Morgan Stanley has been recognized by Forbes as one of America's Best-In-State Wealth Management Teams in 2023, 2024, and 2025.
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023, 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.
The PWMG Advantage - Unlike other teams whose advisors provide similar services to all their clients, we strategically built our group to mirror today’s best law and medical practices. Our team includes investment advisors who are on-hand to tackle your specific needs as they arise. We invite you to visit the next sections on our website to see the areas of focus we cover and the advisors who are dedicated to each area of concentration.
Comprehensive Wealth Management with a Personal Touch - While our services may be wide in scope, our approach is individualized so we can help you grow, preserve, and transfer your wealth with intention. We receive great satisfaction knowing we are helping make a significant impact on the quality of our clients’ lives.
A Commitment to Excellence - We are proud of the signature service we have been providing our clients for decades and welcome the opportunity to deliver this same level of excellence to you. We look forward to speaking with you soon.
Our team's commitment to excellence has been documented by national publications. Most recently, the Pacific Wealth Management Group at Morgan Stanley has been recognized by Forbes as one of America's Best-In-State Wealth Management Teams in 2023, 2024, and 2025.
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023, 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.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Strategic Partner
Greg LeClair - Managing Director, Financial Advisor, Portfolio Management Director, Senior Investment Management Consultant
Phone: +1 206 344-2474
Email: Greg.LeClair@morganstanley.com
Greg is a Financial Advisor and Managing Director at Morgan Stanley with over 35 years of experience focused on the long-term financial planning needs of accomplished families and organizational investors. He uses a well-defined wealth management process, coupled with a laser focus on the critical role that our behavior plays in determining real-life investor outcomes.
Greg is a trusted advisor to over 40 not-for profit organizations (2023), was recognized in Barron's Top 1200 Advisors Nationally (2023) and is a member of Morgan Stanley's President's Council (2023).
Greg graduated from Central Washington University with a Bachelor of Science in Business Management, was a Central Washington University Foundation Board Member (2013 - 2021) and the Finance & Audit Committee Chair (2014 - 2021). He currently serves on the Board of Evergreen Goodwill in Seattle.
He and his wife Teri have three grown children and enjoy spending time at their vacation home in Eastern Washington along with playing a round of golf whenever the opportunity arises.
2023 Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's (Awarded Mar 2023) Data compiled by Barron's based on time period from Oct 2022 - Sept 2023. https://www.morganstanley.com/disclosures/awards-disclosure/
Personalized Solutions
As your wealth grows, so do the complexities and resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs and solutions that will assist you in reaching your goals.
Business Succession Planning
Operating a business represents years - if not decades – of hard work and entrepreneurial savvy. We understand your succession through the lens of your overall financial picture. We work closely with your other financial advisors to ensure that your priorities are reflected in your strategy.”.
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Estate Planning Strategies
Delivering an estate to the next generation or a favorite charity requires more attention than is often realized. We work with you to align your goals and incorporate best practices to help enhance results
Click Here to Learn More
Executive Financial Services
We have extensive experience assisting corporate
executives in a broad range of services. We develop a
customized plan that addresses your goals and can be modified as you approach retirement or experience major life events that require reprioritization.
Click Here to Learn Moreexecutives in a broad range of services. We develop a
customized plan that addresses your goals and can be modified as you approach retirement or experience major life events that require reprioritization.
Financial Planning
Financial planning brings all the aspects of your life together. We listen carefully to fully understand the connections across your personal life, your family, you career, and your legacy goals to develop a comprehensive strategy that is uniquely yours. We also help you navigate life changing events with confidence, such as the sale of a business, divorce, or the loss of a spouse.
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Cash Management and Lending Solutions
Creating adequate cash flow and securing liquidity are
some of the more important aspects of executing a
financial strategy. We strategically implement goals for
your current and long-term costs.
Click Here to Learn Moresome of the more important aspects of executing a
financial strategy. We strategically implement goals for
your current and long-term costs.
Endowments and Foundations
Committees and administrators are faced with the
complex task of developing appropriate investment
policy statements, understanding how to assess
performance, and finding superior fund managers.
Click Here to Learn Morecomplex task of developing appropriate investment
policy statements, understanding how to assess
performance, and finding superior fund managers.
Sustainable Investing
There are many aspects to sustainable investing. These
focus on aligning financial goals (which are driven by
economic fundamentals) with impact goals (which are
driven by personal values and mission). We can help you
integrate these themes into your investment strategy.
Click Here to Learn Morefocus on aligning financial goals (which are driven by
economic fundamentals) with impact goals (which are
driven by personal values and mission). We can help you
integrate these themes into your investment strategy.
Stock Option Plans
Some companies reward employees with stock option
grants or restricted stock; these can go a long way towards
increasing your future financial security. We can help you
understand how stock options work so that you can make the right decisions for your future.
Click Here to Learn Moregrants or restricted stock; these can go a long way towards
increasing your future financial security. We can help you
understand how stock options work so that you can make the right decisions for your future.
Alternative Investments
Morgan Stanley offers many services that enables us to recommend alternative investments for suitable clients; these range from private equities to hedge funds. These recommendations are based on your goals and personal tolerance for investment risk.
Click Here to Learn MoreInvesting with Discipline and Care
The hallmark of our consulting process is a commitment to building customized solutions from the ground up. We then fine-tune them over time to help achieve your specific goals, while responding more effectively to today’s economic and fiscal challenges.
Our process takes a holistic view of your wealth. We align our advice and guidance with your goals and aspirations, your values and principles, and your hopes and concerns. This leads us to recommend solutions that are not only designed to help reach financial targets, but are reflective and supportive of who you are and where you want to go.
Our process takes a holistic view of your wealth. We align our advice and guidance with your goals and aspirations, your values and principles, and your hopes and concerns. This leads us to recommend solutions that are not only designed to help reach financial targets, but are reflective and supportive of who you are and where you want to go.
1 - Discovery
We begin with an in-depth conversation where we listen carefully to understand what is important to you, your family, and your legacy. We learn about your attitudes towards investing and the values that shape your decisions. We also identify the challenges and circumstances unique to your personal situation.
2 - Analysis
Next, we review your current and future financial situation, identify any potential shortfalls, and discuss the impact of unexpected life events. In this step, we may also reach out to your CPA and estate attorney to understand your existing tax and estate plans so we can coordinate our strategies into one cohesive plan.
3 - Plan Development
Here, we prepare your comprehensive wealth management plan. We utilize proprietary financial planning and risk analysis tools to develop a personalized strategy that not only includes investment and asset allocation recommendations, but incorporates important risk management strategies, as well as estate, trust, and philanthropic solutions.
4 – Presentation & Implementation
In this step, we present your tailored plan in detail and explain why we are recommending each strategy. We discuss the pros and cons for each solution, refining your plan based on our discussions. Once approved, we begin to implement the strategies together. We believe in full transparency and will keep you involved each step of the journey.
5 - Ongoing Service & Care
We oversee your progress and review the performance of your plan through ongoing calls and meetings, based on a communication strategy that works for you. We may recommend adjustments over time, due to changing market conditions or changes in your personal circumstances, in an effort to keep you on track towards achieving your goals.
At PWMG, our team of financial advisors specializes in services that are carefully designed to enhance every aspect of our client's financial life goals. We invite you to meet us and listen to some of these specializations our team members expertly discuss.
Estate Planning
Having a coordinated effort amongst your financial, tax,
and estate planning professionals can be very powerful.
In this video, Brian McCann provides an overview of estate
planning and how PWMG engages on behalf of their
clients to align a triangulated estate plan and wealth
transfer strategy that puts the client's goals at the center.
Click Here to Listenand estate planning professionals can be very powerful.
In this video, Brian McCann provides an overview of estate
planning and how PWMG engages on behalf of their
clients to align a triangulated estate plan and wealth
transfer strategy that puts the client's goals at the center.
Private Wealth Management
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm's most affluent clients, including some of the world's most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital of Morgan Stanley's substantial global resources. Hear more about this prestige discussed by one of our team's founding partners, Dale Miller.
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Multigenerational Wealth
In a 20-year study of high-net-worth families, it has been observed that only 30% had successful wealth transitions. The main reason for these transition failures was a breakdown of communications and trust within the family. Multigenerational planning goes beyond the creation of estate planning documents. To increase the likelihood of a successful transfer, families need to discuss their values, define their legacy, and create agency for future generations. The plan is not effective unless it is communicated. Listen to Lance Rummel as he explains these complexities and how PWMG can help you and your family navigate through a successful multigenerational transfer.
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Executive Financial Services
Listen to David Keller as he explains the philosophy behind how we help clients with concentrated stock and stock plan assets. At PWMG, we work with clients to understand the procedures. tax considerations and strategy for all stock plan types including: Incentive and Non-Qualified Stock Options. Restricted and Performance Based Awards. 10b5-1 trading plans. Employee Stock Purchase Plans and Rule 144 stock sales. Our process includes coordination with our client's tax and legal counsel, modelling various scenarios. and building a financial decision framework to help quantify the impact strategies will have on their broader financial plan.
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Investment Management
Our team's Investment Analyst Josiah explains the research and analysis that is implemented in clients portfolios. The factors that need to be considered in a portfolio are being tax strategic. efficient and proactive. At the end of the day, we want to provide our clients with gratification and impact.
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International Wealth Management
With a background of working with international clients, Nini and her team the PWMG understand the varied and complex needs of international clients seeking wealth management services. When working with clients, Nini takes the time to understand their unique circumstances, goals, and challenges. By taking a holistic approach to wealth management, she helps ensure that the clients are on track to achieve their goals while striving to become their trusted advisor.
Click Here to ListenLocation
4000 Carillon Point
Ste 600
Kirkland, WA 98033
US
Direct:
(425) 202-0623(425) 202-0623
Toll-Free:
(866) 865-3699(866) 865-3699
717 W Sprague Ave
Suite 500
Spokane, WA 99201
US
601 Union Street
Suite 5200
Seattel, WA 98101
US
505 E Front Ave
Suite 201
Coeur d'Alene, ID 83814
US
2727 Hollycroft Street
Suite 330
Gig Harbor, WA 98335
US
Meet The Pacific Wealth Management Group
Regan M. Mueller
Larry Garcia
Lance D Rummel
David C Keller
David D. Powell
Scott Gilbert
Nini Wu
Brian McCann
Evan Harlan
Lanette Cottnair
Adam C Smith
Will Gao
Karlie Leclair
Halley Hu
Josiah Brensdal, CFP®*, CIMA®*
Assistant Vice President, Consulting Group Analyst
Phone:
(425) 202-9967(425) 202-9967
Dan Matthews
Vice President, Group Director
Phone:
(425) 455-8056(425) 455-8056
Viyana Kwak, CFP®*
Assistant Vice President, Business Development Director
Phone:
(425) 455-8060(425) 455-8060
Maryana Petrov
Wealth Management Associate
Phone:
(206) 344-2475(206) 344-2475
Jayna Van Stone, MBA
Senior Registered Client Service Associate
Phone:
(425) 450-8984(425) 450-8984
Josh Elder
Registered Client Service Associate
Phone:
(425) 202-0647(425) 202-0647
Maddie Fletcher
Registered Client Service Associate
Phone:
(206) 343-2942(206) 343-2942
Karla Culver
Senior Registered Client Associate
Phone:
(509) 325-8236(509) 325-8236
Adam Tesfagaber, MBA
Client Service Associate
Phone:
(425) 202-0646(425) 202-0646
Koen M. Meuller
Registered Client Service Associate
Phone:
(206) 344-3508(206) 344-3508
Ethan Yamamoto
Registered Client Service Associate
Phone:
(206) 344-3505(206) 344-3505
Ethan Miller
Team Administrator
Phone:
(425) 202-0623(425) 202-0623
About Josiah Brensdal
Josiah was born and raised in the Seattle area, but moved to southern California to attend college at the University of Redlands. He was a captain on the men’s basketball team, was recognized on the Dean’s List, and graduated with Cum Laude honors in accounting. If given the chance, he will remind you that he earned Conference Player of the Year in basketball his senior year and was also named to the First Team West District All-American squad.
After college, Josiah worked for an accounting firm in Costa Mesa, California where he spent his time auditing various companies and organizations, including many Broker Dealers. In 2015, he returned home to the Seattle area to focus on the financial services side of the industry and earned his Series 7 & 66 licenses. During this time, he focused on financial planning and created investment solutions for high-net-worth clientele.
Josiah is now The Pacific Wealth Management Group's Consulting Group Analyst and dedicates his time to the investment selection and research process. He enjoys working with our team to build investment strategies that are curtailed to each client’s unique goals and situations.
Away from the office you can find Josiah on many adventures with his wife Claire and their Bernese Mountain dog Mabel, or on the sidelines coaching for the Issaquah High School boys’ basketball team. He is also passionate about helping the community and is a member of UNIVEF, One Organization, and Unidos Nicaragua.
*Disclaimer: This role cannot solicit or provide investment advice.
After college, Josiah worked for an accounting firm in Costa Mesa, California where he spent his time auditing various companies and organizations, including many Broker Dealers. In 2015, he returned home to the Seattle area to focus on the financial services side of the industry and earned his Series 7 & 66 licenses. During this time, he focused on financial planning and created investment solutions for high-net-worth clientele.
Josiah is now The Pacific Wealth Management Group's Consulting Group Analyst and dedicates his time to the investment selection and research process. He enjoys working with our team to build investment strategies that are curtailed to each client’s unique goals and situations.
Away from the office you can find Josiah on many adventures with his wife Claire and their Bernese Mountain dog Mabel, or on the sidelines coaching for the Issaquah High School boys’ basketball team. He is also passionate about helping the community and is a member of UNIVEF, One Organization, and Unidos Nicaragua.
*Disclaimer: This role cannot solicit or provide investment advice.
About Dan Matthews
Dan Matthews began at Morgan Stanley in 2017, initially as a Client Service Associate. He then moved into management for the firm, overseeing operations for four branches and ultimately rejoining the team in September 2021. Dan was born and raised in the Greater Seattle Area where he currently still resides with his wife and golden retriever. In his spare time he loves to travel, having been to over 30 countries with a passion to explore more.
About Viyana Kwak
An experienced financial services professional, Viyana is firmly committed to the continued growth and success of The Pacific Wealth Management Group and the clients they proudly serve. As a Business Development Director, Viyana is responsible for coordinating all operational aspects of the practice, including client service, trade execution, and staff management. She enjoys cultivating relationships with new clients and proactively helping them resolve any issues or concerns, as well as working with the group’s leadership team and back office personnel to ensure the business continues to run efficiently.
Born in Laos and raised in Thailand, Viyana came to Los Angeles at the age of 11. Her long-time fascination with the financial markets led her to a career in wealth management. Prior to joining The Pacific Wealth Management Group in 2015, she worked at D.A. Davidson, Citigroup Global Markets, RBC Dain Rauscher, and Bank of America Investments. She earned her Certified Financial Planner™ (CFP®) designation in 2006 and continues to maintain her FINRA Series 7, 63 and 66.
Today, Viyana calls Renton, Washington, her home where she stays active keeping up with her 11-year old twins, Aniken and Angeliya. Together, they enjoy such activities as rollerblading, biking, and most things outdoors. When she has a free moment to herself, she finds going to the golf range and hitting a bucket of balls very therapeutic.
*Disclaimer: This role cannot solicit or provide investment advice.
Born in Laos and raised in Thailand, Viyana came to Los Angeles at the age of 11. Her long-time fascination with the financial markets led her to a career in wealth management. Prior to joining The Pacific Wealth Management Group in 2015, she worked at D.A. Davidson, Citigroup Global Markets, RBC Dain Rauscher, and Bank of America Investments. She earned her Certified Financial Planner™ (CFP®) designation in 2006 and continues to maintain her FINRA Series 7, 63 and 66.
Today, Viyana calls Renton, Washington, her home where she stays active keeping up with her 11-year old twins, Aniken and Angeliya. Together, they enjoy such activities as rollerblading, biking, and most things outdoors. When she has a free moment to herself, she finds going to the golf range and hitting a bucket of balls very therapeutic.
*Disclaimer: This role cannot solicit or provide investment advice.
About Maryana Petrov
Maryana is responsible for addressing our client’s administrative requests and questions by providing them with undivided attention. She has been with Morgan Stanley in various capacities for over 18 years. She brings a wealth of knowledge from the operational and client service side that makes her a valuable member of our team. Together with her husband and two daughters ages 8 and 14, Maryana enjoys spending time cooking with a family and listening to music.
About Jayna Van Stone, MBA
Jayna is a Senior Registered Client Service Associate and has been with The Pacific Wealth Management Group since the COIVD Pandemic. She is committed to delivering a caring and attentive client service experience to help her clients achieve their financial life goals. Jayna’s primary responsibilities include answering client inquiries, assisting the team’s Financial Advisors with various analytical and operational tasks, and directing the team's marketing strategies and client event planning. She holds her SIE, Series 7 and Series 66 designations.
Born and raised in Kirkland, Jayna has wanted to be part of the financial industry since she was a little girl. Her great-grandfather was a successful businessman in the Seattle area prior to World War II and she always wanted to follow in his footsteps. She attended Seattle University where she earned her B.A. degree in Business Administration in three majors: Finance, Data Analytics, and Economics.
Before joining Morgan Stanley, she worked as an intern at Russell Investments in the Fund Administration department including Hedge Funds, Alternatives, and reporting for other Russell Investments Funds. In 2025, Jayna completed her MBA degree, taking 3 years of night classes at the University of Washington Foster School of Business.
A competitive swimmer for 17 years, Jayna is now retired but still loves the sport and goes to the pool often. Notably, she captained the Seattle University Redhawk swim team her senior year; this dedication to swimming las led Jayna to meet many big-name Olympic swimmers. She’s also taught swimming lessons and coached many children over the years. When she's not at work, Jayna enjoys travel and has been to many places around the world; her personal favorites include Italy, Portugal, Japan, and Bali.
Born and raised in Kirkland, Jayna has wanted to be part of the financial industry since she was a little girl. Her great-grandfather was a successful businessman in the Seattle area prior to World War II and she always wanted to follow in his footsteps. She attended Seattle University where she earned her B.A. degree in Business Administration in three majors: Finance, Data Analytics, and Economics.
Before joining Morgan Stanley, she worked as an intern at Russell Investments in the Fund Administration department including Hedge Funds, Alternatives, and reporting for other Russell Investments Funds. In 2025, Jayna completed her MBA degree, taking 3 years of night classes at the University of Washington Foster School of Business.
A competitive swimmer for 17 years, Jayna is now retired but still loves the sport and goes to the pool often. Notably, she captained the Seattle University Redhawk swim team her senior year; this dedication to swimming las led Jayna to meet many big-name Olympic swimmers. She’s also taught swimming lessons and coached many children over the years. When she's not at work, Jayna enjoys travel and has been to many places around the world; her personal favorites include Italy, Portugal, Japan, and Bali.
About Josh Elder
Josh is one of The Pacific Wealth Management Group’s Registered Client Service Associates since July 2022. Previously, Josh worked in a similar position with the Thornburg Investment Management located in Sante Fe, New Mexico; with PWMG, his role specifically is to support various operational and maintenance work for clients. His focus is to provide and seamless and efficient experience for clients utilizing his excellent attention to detail and ability to anticipate client needs. Josh has completed his SIE, Series 7, Series 65, and Series 63 designations.
Born and raised in Washington, Josh is exactly where he wants to be. Growing up with his father in the finance industry, he always knew that he wanted to follow in his footsteps. He attended Western Washington University, graduating with a B.A. in Business Administration – Finance Concentration, and a Minor in International Business.
At home, Josh likes to care for animals, try new restaurants, and work on cars. He is always finding some excuse to add new fish to his aquariums, adopt a local stray, or pet sit for neighbors. He loves the quality and variety that the Greater Seattle Area has to offer when it comes to cuisine and dining out. When at home, he enjoys working on cars to expand his automotive knowledge.
Born and raised in Washington, Josh is exactly where he wants to be. Growing up with his father in the finance industry, he always knew that he wanted to follow in his footsteps. He attended Western Washington University, graduating with a B.A. in Business Administration – Finance Concentration, and a Minor in International Business.
At home, Josh likes to care for animals, try new restaurants, and work on cars. He is always finding some excuse to add new fish to his aquariums, adopt a local stray, or pet sit for neighbors. He loves the quality and variety that the Greater Seattle Area has to offer when it comes to cuisine and dining out. When at home, he enjoys working on cars to expand his automotive knowledge.
About Maddie Fletcher
Maddie came to us from our Operations Department here in Seattle and brings a high level of operational knowledge and customer care to help service you. Maddie received her BS in Business Finance from Brigham Young University – Idaho. Maddie is a Washington native and after living in Hawaii and Idaho, she’s happy to be back in the PNW. She and her husband currently live in Bothell WA with their rescue dog, Luna. When Maddie isn’t spending her time reading, she also enjoys traveling, trying new restaurants, and going for walks with her husband and dog.
About Adam Tesfagaber, MBA
Adam was born and raised in Seattle, but his family moved from Eritrea just before coming to America. This unique background gives Adam the benefit of growing up with a diverse background, allowing him to gain a rare perspective that has helped him find his way through life. Adam completed his undergraduate degree at Western Washington University, where he received a B.S. in Mathematics/Computer Science. Shortly after graduating, Adam dove headfirst into the work force, and he's worked in many roles including technology sales, insurance, and retail banking. Due to this broad range of industries, he has gained an abundance of knowledge and experience across different sectors.
In recent years Adam decided to pursue his education further by attending University of Washington’s Foster School of Business for his MBA. Growing up with little financial awareness and lack of financial education he hopes to help others learn more and help them work towards their financial goals.
Outside of the office, Adam loves to spend time with his close friends and family, working on house projects, and spending as much time as he can out in nature. He enjoys traveling, golfing, pickup basketball, trying new recipes, and you can always find him excited to learn new things.
In recent years Adam decided to pursue his education further by attending University of Washington’s Foster School of Business for his MBA. Growing up with little financial awareness and lack of financial education he hopes to help others learn more and help them work towards their financial goals.
Outside of the office, Adam loves to spend time with his close friends and family, working on house projects, and spending as much time as he can out in nature. He enjoys traveling, golfing, pickup basketball, trying new recipes, and you can always find him excited to learn new things.
About Koen M. Meuller
Koen graduated from the University of Washington in 2024 with a BA in Finance, he soon joined the team as a Registered Client Services Associate. Koen, like his dad, grew up playing hockey, and now enjoys hiking, skiing, golf, water sports, and many other outdoor activities.
About Ethan Yamamoto
Having graduated from the University of Washington with a BA in Finance, Ethan joins the team as a Registered Client Service Associate. Growing up playing hockey and being raised under the guidance of his three sisters, he is well-acquainted with the dynamic nature of working in large groups and navigating different personalities.
Outside of work, Ethan enjoys all the PNW classics: backpacking, skiing, golfing, and running. More than anything, he finds joy in being active outdoors with friends and family.
Outside of work, Ethan enjoys all the PNW classics: backpacking, skiing, golfing, and running. More than anything, he finds joy in being active outdoors with friends and family.
Hear From Our Clients
We are incredibly grateful for the guidance David has provided us over the years. Thanks to his clear financial plan and thoughtful advice, we are now confidently approaching retirement next year. He provided a tailored strategy that truly fit our goals which has made all the difference. We couldn’t have done this without his dedication, professionalism, and genuine care for our future.
Ron & Karin
Verified ClientJune 1, 2025
David Keller’s team brings exceptional commitment to the skillful way they work on my behalf. For 12 years, I have experienced how David helps me move forward but always has my back. He brings professional excellence together with authentic integrity and a compassionate presence that undergird not only his ability to listen well and act effectively, but also to genuinely care. With everything so automated today, it is a gift to have built the relationships and financial plan I need.
Susan
Verified ClientJanuary 16, 2025
Hiring David P has been one of the most reassuring financial decisions we’ve made. He takes the time to truly understand our goals - not just financially, but personally – and his ability to explain the pros and cons of options leaves us feeling informed and confident. We also value his team’s ability to simplify our operations as we navigate our busy careers and family life. We’ve found David to be a genuinely caring human being, who we trust to guide us through our financial journey.
Will
Verified ClientMay 20, 2025
Ten Years and Going Strong
Ten years ago, Ellen and I walked into PWMG offices for an introductory meeting and were soon convinced they could help us create a financial plan.
Looking back on what we have experienced:
Trust; Respect and Understanding…and a perfect balance of: listening and advising.
David Keller has been a blessing. Creating our plan, helping us understand and manage wealth, investments, and finances.
Harnessing the power of PWMG and Morgan Stanley!
Matt & Ellen
Verified ClientMay 18, 2025
From our first meeting, David Powell took the time to truly understand my goals, concerns, and the full picture of my financial situation. He explains complex financial concepts in a clear way and provides practical advice so that I feel empowered to make smart decisions. I feel more confident about my financial future thanks to his guidance.
Keri
Verified ClientMay 14, 2025
David Powell has been invaluable in helping us meet our short and long-term financial goals. He and his team are easily accessible and responsive when we have questions. David checks in with us at least quarterly and is especially diligent about keeping us informed during possible market fluctuations.
Scott & Lisa
Verified ClientMay 8, 2025
My multi generational family has been thrilled with the advice and guidance that we have received from Scott Gilbert and his
team. They are responsive to our needs and are proactive in bringing us ideas and solutions that are in our best interests.
We are happy and grateful!
Scott
Verified ClientFebruary 5, 2025
After a recent sudden wealth event, I was referred to David Powell to steward my funds. I needed clear communication
without condescension to help me learn to be smart with my money and not feel intimidated by the complexities it brings.
David did just that. He has consistently provided clear, insightful guidance and has been a patient teacher, ensuring I
understand the strategies and decisions involved in managing my wealth.
I wholeheartedly recommend David P. (P for prudent in my book).
Robin
Verified ClientFebruary 23, 2025
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
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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
Bill Grey
Private Banker
Wilson Calansingin
Associate Private Banker
Katie Reed
Senior Private Banker
Mark T Curtis
Managing Director, Stock Plan Director, Financial Planning Specialist, Family Wealth Director, International Client Advisor, Investing with Impact Director
Adelaide El Zein, CFP®
Financial Planning Director, Vice President
Clint Eddy
Family Office Resource Generalist
About Bill Grey
Bill Grey is a Private Banker serving Morgan Stanley Wealth Management offices in Washington.
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.
Bill began his career in financial services over 30 years ago and joined Morgan Stanley in 2024 as a Private Banker. Prior to joining the firm, he was a Custom Credit Executive at the Merrill Lynch. Bill also served as a Wealth Management Banker at Merrill Lynch.
Bill is a graduate of the Pacific Coast Banking School. He enjoys spending time with his family and is an avid fisherman.
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.
Bill began his career in financial services over 30 years ago and joined Morgan Stanley in 2024 as a Private Banker. Prior to joining the firm, he was a Custom Credit Executive at the Merrill Lynch. Bill also served as a Wealth Management Banker at Merrill Lynch.
Bill is a graduate of the Pacific Coast Banking School. He enjoys spending time with his family and is an avid fisherman.
NMLS#: 652692
About Wilson Calansingin
Wilson Calansingin is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Washington State.
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.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
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.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
NMLS#: 711776
About Katie Reed
Katie Reed is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Washington.
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.
Katie began her career in financial services in 2002 and joined Morgan Stanley in 2017 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Katie is a graduate of the University of Washington, where she received a Bachelor of Arts in Economics. She lives in Seattle, Washington with her spouse. Outside of the office, Katie enjoys volunteering her time with various organizations which support women, food accessibility, and animals. She also enjoys traveling, Washington Husky football, and spending time with family and friends.
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.
Katie began her career in financial services in 2002 and joined Morgan Stanley in 2017 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Katie is a graduate of the University of Washington, where she received a Bachelor of Arts in Economics. She lives in Seattle, Washington with her spouse. Outside of the office, Katie enjoys volunteering her time with various organizations which support women, food accessibility, and animals. She also enjoys traveling, Washington Husky football, and spending time with family and friends.
NMLS#: 652641
About Adelaide El Zein
Adelaide El Zein, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s
Wealth Management offices in Washington State, mainly serving our Bellevue, Kirkland, Yakima,
Kennewick and Bellingham office locations. She is responsible for helping Financial Advisors with their clients' and
prospects' financial planning needs.
A CERTIFIED FINANCIAL PLANNING® professional, Adelaide has been providing financial advice to
families and individuals in various settings for nearly 18 years. A former teacher, who taught
domestically and overseas in Germany and the United Arab Emirates, Adelaide launched her career in
finance at Ameriprise in 2004 after completing her MBA. She was an analyst at Merrill Lynch/Bank of
America for 4 years before joining an RIA in Arlington as a financial advisor.
A graduate of the University of Washington, she lives in Edmonds, WA with her future husband, Bob,
and his two teenage boys. Outside of work she enjoys photography, being outside, working on home
improvement projects, learning new languages and dancing to live music.
Wealth Management offices in Washington State, mainly serving our Bellevue, Kirkland, Yakima,
Kennewick and Bellingham office locations. She is responsible for helping Financial Advisors with their clients' and
prospects' financial planning needs.
A CERTIFIED FINANCIAL PLANNING® professional, Adelaide has been providing financial advice to
families and individuals in various settings for nearly 18 years. A former teacher, who taught
domestically and overseas in Germany and the United Arab Emirates, Adelaide launched her career in
finance at Ameriprise in 2004 after completing her MBA. She was an analyst at Merrill Lynch/Bank of
America for 4 years before joining an RIA in Arlington as a financial advisor.
A graduate of the University of Washington, she lives in Edmonds, WA with her future husband, Bob,
and his two teenage boys. Outside of work she enjoys photography, being outside, working on home
improvement projects, learning new languages and dancing to live music.
About Clint Eddy
Clint Eddy is an Executive Director with the Family Office Resources (FOR) team at Morgan Stanley. As a Generalist with FOR he helps clients and Advisors curate and navigate an expansive suite of highly specialized resources to address the complex, multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
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
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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.
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.
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
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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.
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.
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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
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- 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
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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
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- Long Term Care Insurance
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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
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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
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Pacific Wealth Management Group today.
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.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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.
5Morgan 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.
6Investing 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.
7Morgan 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
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
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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.
5Morgan 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.
6Investing 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.
7Morgan 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
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.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
