Kapil Mathur
Managing Director, Wealth Management, Branch Manager, Family Wealth Director, Senior Portfolio Management Director, Lending Specialist, Financial Advisor
Phone:
(281) 263-1615(281) 263-1615
The Math Group at Morgan Stanley
Kapil MathurJon AndersenVivek MehtaWard Pendleton, CFP®Steven ThorpeTarika Nath, CFP®Claire LiawJoshua Lee, CFA®, CFP®Michelle M LeeThomas Ford, C(k)PLauryn ReinosoSasha Lobo
Direct:
(281) 263-1600(281) 263-1600
Industry Award WinnerOur Mission Statement
Empowering successful families to build lasting wealth through personalized strategies and disciplined financial leadership
The Math Group at Morgan Stanley
Our Story
Comprehensive wealth management takes a unique set of skills that go well beyond general financial planning and investment management. It takes a team of experienced professionals who have acquired the insights, wisdom and experience needed to tackle your family's personal financial challenges.
The Math Group at Morgan Stanley draws on extensive experience to help clients pursue their financial objectives. With a deep history of client loyalty and enduring relationships, The Math Group focuses on what is most important to you. The team provides the skills, sophisticated strategies and disciplined processes needed to help you make informed decisions about your future, your family and your family's finances with clarity and confidence.
The Math Group uses their astute problem-solving skills coupled with an impassioned willingness to roll up their sleeves and identify strategies that seek to address your particular objectives. The team believes that complex situations may benefit from our broader resources and capabilities. The Math Group combines the resources of a premium global firm, Morgan Stanley, with the intimate relationship you expect from a boutique firm.
The Math Group is proud of the services and strategies offered to clients and welcomes the opportunity to deliver the same personalized service to you and your family.
Awards & Recognition
Kapil Mathur Named to Barron's 2026 Top 1500 U.S. Financial Advisors: State-by-State
2026 Barron's Top 1,500 Financial Advisors: State-by-State Source: Barron's (Awarded March 2026) This ranking was determined based on an evaluation process conducted by Barron's for the period Oct 2024-Sept 2025.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- Alternative InvestmentsFootnote2
- Asset Management
- Business PlanningFootnote3
- Business Succession PlanningFootnote4
- Cash ManagementFootnote5
- Certificates of DepositFootnote6
- Corporate BondsFootnote7
- Estate Planning StrategiesFootnote8
- Financial PlanningFootnote9
- Fixed IncomeFootnote10
- Lending Products
- Life InsuranceFootnote11
- Municipal BondsFootnote12
- Philanthropic Services
- Professional Portfolio ManagementFootnote13
- Retirement PlanningFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Addressing Your Specific Goals & Objectives
Years ago, when The Math Group was founded, the team gave a lot of thought to the types of individuals and families who would benefit the most from the services and offerings provided. Each Financial Advisor asked themselves what are our strengths and skills, and who would best be served by our experience, perspectives and values.
As you work with The Math Group at Morgan Stanley, the team is confident you will find the solutions recommended are carefully coordinated to provide the knowledge and insights needed to succeed in today’s fast-paced world. The team is skilled at working closely with your various wealth professionals – such as your CPA, estate and/ or business attorney and insurance professionals – and can recommend qualified local professionals should you need access to one.
As you work with The Math Group at Morgan Stanley, the team is confident you will find the solutions recommended are carefully coordinated to provide the knowledge and insights needed to succeed in today’s fast-paced world. The team is skilled at working closely with your various wealth professionals – such as your CPA, estate and/ or business attorney and insurance professionals – and can recommend qualified local professionals should you need access to one.
Family Governance and Wealth Education
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation they need to lead meaningful, fulfilled and engaged lives.
Family Wealth Education Overview
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFT
The Entrepreneur Toolkit
We will work together to develop a clear and coherent business strategy so that you can focus on achieving your personal and professional goals.
The Entrepreneur Toolkit
Corporate Retirement Solutions
Comprehensive solutions to effectively maximize and customize retirement benefits, so managers can help employees make the most out of retirement.
Retirement Solutions
Signature Access
Signature Access provides Lifestyle Advisory services for the most affluent families. We will help connect you with carefully vetted, experienced professionals who can provide an extensive variety of services to help you contain costs, mitigate risks and enhance your overall enjoyment of life.
Signature Access Overview
Financial Wellness
Click the link below to learn how to transform financial stress into financial confidence, aiming to improve your overall well-being.
Morgan Stanley at WorkThe Math Group’s Process
The Math Group’s disciplined, values-based approach is designed to focus on your unique set of goals. By following these four comprehensive steps, the team is able to recommend and implement appropriate solutions to help you achieve and maintain financial success for you and your family.
Step 1: Getting to Know You
An informal phone conversation will help the team understand your financial concerns and determine what value can be added to your situation. If both sides feel there is a comfortable fit, a member of the team will arrange an in-person or Zoom videoconferencing meeting to learn about you in more depth.
Step 2: Goal Setting and Discovery
In this step, the team will take a financial inventory of all of your assets and liabilities to determine where you currently are – your “Point A.” Then, the team can focus on what your most important goals are – your “Point B.” The plan will illustrate how the team can help get you from “Point A to Point B.”
Step 3: Presentation of Your Custom Plan
In this important step, the team will outline a comprehensive set of recommendations designed to optimize your chances of reaching your particular goals. With attention to detail, the team will determine an appropriate asset allocation mix, select appropriate portfolio managers and investments, as well as identify specific tax-efficient strategies. Opening the appropriate accounts occurs once you agree with the strategy.
Asset allocation, diversification and rebalancing do not assure a profit or protect against loss. There may be a potential tax implication with a rebalancing strategy. Please consult your tax advisor before implementing such a strategy.
Asset allocation, diversification and rebalancing do not assure a profit or protect against loss. There may be a potential tax implication with a rebalancing strategy. Please consult your tax advisor before implementing such a strategy.
Step 4: Ongoing Review and Communication
Once the team executes your plan, a member of the team will set up a variety of tools to help ensure you have convenient access to your accounts such as Morgan Stanley Online. The team may also reach out to your CPA and estate attorney to discuss any tax issues and to help ensure that the strategies recommended are appropriately coordinated with your attorney’s advice. Finally, because personal objectives change and investment strategies evolve, The Math Group will look to meet regularly with you to review and rebalance as needed.
Research and Resources Library
Morgan Stanley seeks to make complex financial ideas more digestible so that clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide in-depth analysis on interesting topics that are affecting the world of business and finance not only now, but in the future.
Global Investment Committee Weekly Research Report
The Global Investment Committee is a group of seasoned investment professionals who meet regularly to discuss the global economy and markets. The committee determines the investment outlook that guides our advice to clients. They continually monitor developing economic and market conditions, review tactical outlooks and recommend model portfolio weightings, as well as produce a suite of strategy, analysis, commentary, portfolio positioning suggestions and other reports and broadcasts.
GIC Weekly Research Report
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of digital features that help you keep track of your finances. They include:
• Managing Everyday Finances: Take advantage of mobile check deposit, paying your bills online and sending money through Zelle.
• Current Financial News: Gain access to up-to-date news, current market data, research, company profiles and quotes
MSO• Managing Everyday Finances: Take advantage of mobile check deposit, paying your bills online and sending money through Zelle.
• Current Financial News: Gain access to up-to-date news, current market data, research, company profiles and quotes
Global Investment Committee Monthly Perspectives
Chief Investment Officer and Chair of the Global Investment Committee Mike Wilson highlights this monthly look at markets, asset class performance and fixed income.
GIC Monthly Perspectives
Total Wealth View
It is hard to see the complete picture with only half of the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions in one location to give you and your Financial Advisor a full picture of your financial wealth and health. Log into Morgan Stanley Online or download the Morgan Stanley Mobile App to link and add external accounts.
Total Wealth View
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts On The Market Podcast
Digital Vault
Keeping important documents and financial records organized and readily available is a crucial part of the long-term financial planning process.
Digital Vault
Morgan Stanley Announces Inaugural Alliance for Children's Mental Health Innovation Awards
Press Release
Morgan Stanley IQ
Developed through proprietary technology and analytics, Morgan Stanley IQ is a new tool that gives you the ability to understand the environmental and social impact of your investments.
Morgan Stanley IQ Brochure
Cybersecurity
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. This is an essential part of our commitment to helping you achieve your wealth management goals.
How to Secure your Data
Workplace Solutions
Utilizing the powerful Morgan Stanley at Work platform, The Math Group at Morgan Stanley is able to help build financial confidence through insightful advice, thoughtful education and cutting-edge technology across a suite of modern workplace solutions.
At Work Solutions
Innovative workplace offerings for companies and employees which include Shareworks by Morgan Stanley, our global equity plan management solution, Financial Wellness and Retirement solutions.
Learn more about MS at WorkCorporate Retirement Solutions
Comprehensive solutions to effectively maximize and customize retirement benefits, so managers can help employees make the most out of retirement.
Learn more about corporate retirement solutionsEquity Solutions
With tailored solutions, modern technology, hands-on guidance and dedicated service, we help you effectively design equity compensation solutions that can grow alongside your business and people at any stage.
Learn more about equity compensation solutionsFinancial Wellness Solutions
The Math Group at Morgan Stanley understands that when employees thrive, companies thrive. We are proud to offer a customizable solution for organizations to empower their employees by making their finances a source of wellness – and not a source of stress.
Learn more about financial wellness solutionsLocation
16554 Creek Bend Drive
Suite 100
Sugar Land, TX 77478
US
Direct:
(281) 263-1600(281) 263-1600
Meet The Math Group
Phone:
(281) 263-1608(281) 263-1608
Phone:
(281) 263-1629(281) 263-1629
Phone:
(281) 263-1605(281) 263-1605
Vivek Mehta
Financial Advisor, Senior Vice President
Phone:
(281) 263-1684(281) 263-1684
Tarika Nath, CFP®
Financial Advisor
Phone:
(281) 263-1627(281) 263-1627
Phone:
(281) 263-1640(281) 263-1640
Phone:
(281) 263-1611(281) 263-1611
Phone:
(281) 263-1683(281) 263-1683
Phone:
(281) 263-1631(281) 263-1631
Tarika Nath, CFP®
Business Development Associate, Financial Planning Specialist
Phone:
(281) 263-1627(281) 263-1627
Regina Willis
Portfolio Associate
Phone:
(281) 263-1687(281) 263-1687
Carmen Garcia
Senior Client Service Associate
Phone:
(281) 263-1616(281) 263-1616
Lauryn Reinoso
Director of Business Strategy
Phone:
(281) 263-1685(281) 263-1685
About Kapil Mathur
Kapil Mathur (Sugar Land Branch Manager) is a Financial Advisor and Managing Director at Morgan Stanley. He joined Morgan Stanley in 2010 and serves as Chief Investment Officer of The Math Group, a team of sixteen professionals that serves leading families throughout the United States. Mr. Mathur is a Senior Portfolio Management Director, a member of the National Diversity and Inclusion Council, and has served as Co-Chair of the Firm’s 2,500+ member Multicultural Employee Networking Group.
Previously, Mr. Mathur was an investment banker, private equity investor, and consultant. He was with McKinsey & Company in Houston, Dell Corporate Strategy, and MSD Capital’s Private Equity group. He holds a B.B.A in Business Honors and Finance from the University of Texas at Austin and an M.B.A. from Harvard Business School. Mr. Mathur is a member of the Board of Directors of Magic Bus USA and the Cullinan Park Conservancy. He serves as President of Magic Bus Houston and is a Past President of the Harvard Business School Club of Houston.
Mr. Mathur is a proud Canadian by birth and lives in Sugar Land Texas with his wife Dr. Sheela Parekh and their children Shan and Karina. He enjoys soccer, travel, wine tasting and philanthropy. Mr. Mathur is passionate about poverty alleviation and received the Morgan Stanley Community Leadership Award in 2022 for his philanthropic work.
Previously, Mr. Mathur was an investment banker, private equity investor, and consultant. He was with McKinsey & Company in Houston, Dell Corporate Strategy, and MSD Capital’s Private Equity group. He holds a B.B.A in Business Honors and Finance from the University of Texas at Austin and an M.B.A. from Harvard Business School. Mr. Mathur is a member of the Board of Directors of Magic Bus USA and the Cullinan Park Conservancy. He serves as President of Magic Bus Houston and is a Past President of the Harvard Business School Club of Houston.
Mr. Mathur is a proud Canadian by birth and lives in Sugar Land Texas with his wife Dr. Sheela Parekh and their children Shan and Karina. He enjoys soccer, travel, wine tasting and philanthropy. Mr. Mathur is passionate about poverty alleviation and received the Morgan Stanley Community Leadership Award in 2022 for his philanthropic work.
Securities Agent: DE, FL, GA, HI, IL, IN, KS, LA, MA, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, WA, WI, DC, CT, CO, CA, AZ, AR, AL, AK, IA, ID, KY, MD, ME, VI, VT, WV, WY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1252928
NMLS#: 1252928
About Ward Pendleton
Ward has been with Morgan Stanley and its predecessors since 1979. Ward has a passion for serving small business and families with their investment needs including trust and estate strategies, risk control, asset diversification and portfolio management. Ward has been a CERTIFIED FINANCIAL PLANNER® since 1991 and leads financial planning for many of our clients. Prior to Morgan Stanley Ward worked as a Trust Analyst for a predecessor to JPMorgan Chase (Texas Commerce Bank). Ward has been a partner of the Math Group since its inception.
Ward is a fifth generation Texan and he lived in the Greater Houston area since 1976. He received his undergraduate degree from Rollins College in Economics and his Masters in Business Administration from The University of Houston. He is a board member and a Past President of Sugar Land Rotary. Ward and his wife Christine live in Sugar Land and their son Jarred lives in Boston.
Diversification does not guarantee a profit or protect against a loss.
Ward is a fifth generation Texan and he lived in the Greater Houston area since 1976. He received his undergraduate degree from Rollins College in Economics and his Masters in Business Administration from The University of Houston. He is a board member and a Past President of Sugar Land Rotary. Ward and his wife Christine live in Sugar Land and their son Jarred lives in Boston.
Diversification does not guarantee a profit or protect against a loss.
Securities Agent: NC, FL, PA, LA, CO, AL, SD, OR, OH, GA, TN, KS, MS, HI, WA, VA, NV, MD, MA, IA, AR, UT, NY, NM, NH, NJ, IN, CT, CA, MN, IL, DE, AZ, OK, MO, TX; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1285380
NMLS#: 1285380
About Jon Andersen
Securities Agent: NY, VA, OH, NH, IL, DE, IN, AZ, AL, WA, MN, HI, UT, NM, CT, TN, IA, NJ, CA, OK, MD, MA, LA, KS, CO, MS, GA, TX, NC, MO, FL, PA, OR; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1255738
NMLS#: 1255738
About Steven Thorpe
Securities Agent: LA, IL, DC, CO, UT, TN, OK, NH, MA, FL, NJ, KY, IN, GA, DE, AZ, OH, NV, MI, NY, KS, VA, OR, NM, AL, AK, WA, PA, MS, MO, CT, TX, NC, IA, CA, MN, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 811501
NMLS#: 811501
About Vivek Mehta
Securities Agent: SC, CT, NE, MI, AL, WI, SD, NM, NJ, MA, LA, KS, DE, WA, VA, NH, HI, UT, PR, OR, MO, IL, FL, AR, NV, NC, MD, CO, RI, OK, ND, MN, TN, PA, IA, GA, DC, AZ, IN, CA, TX, OH, NY, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 492397
NMLS#: 492397
About Tarika Nath
Tarika Nath has delivered comprehensive financial planning for over 500 clients at Morgan Stanley. She is a recipient of the prestigious CERTIFIED FINANCIAL PLANNER™ designation, demonstrating the highest standard of excellence in financial planning. As a proud Longhorn, she holds three degrees from The University of Texas at Austin – Economics, Government, and English. Prior to joining Morgan Stanley, she assisted in planning efforts for ultra-high-net worth clients at the J.P. Morgan Private Bank. Tarika believes that building a strong roadmap to outline your financial goals truly helps make the most of your investment strategy long-term.
About Claire Liaw
Claire Liaw is a Senior Vice President – Financial Advisor at Morgan Stanley. She is a member of Morgan Stanley's Century Club. Prior to joining Morgan Stanley, Claire was in Commercial Lending and Banking Industry for over 10 years. She has extensive experiences in all areas of commercial lending and credit function. Given this experience, she is adept at leveraging the firm’s capabilities and vast resources for her clients’ advantage.
Born in Taiwan, Claire serves a broad range of clients, from immigrants who seek to grow their wealth to business owners and real estate investors who want to preserve the wealth throughout their next generations. She defines what is most important to clients, and then strives to meet those goals by delivering a vast array of resources in a way that is most appropriate for what clients want to accomplish.
In addition to working as a Financial Advisor, Claire actively involves in community services. In the past, she served in the Boards of Taiwanese Chamber of Commerce in Houston, National Taiwan University Alumni Association in Houston and Global Federation of Chinese Business Women Southern USA Chapter.
Claire has her MBA from University of Houston- Victoria and MS in Civil Engineering/Transportation Engineering from National Taiwan University. Claire resides in Missouri City, TX and enjoys spending time with her husband, Kyle, and two children: Lucas and Alvin.
Born in Taiwan, Claire serves a broad range of clients, from immigrants who seek to grow their wealth to business owners and real estate investors who want to preserve the wealth throughout their next generations. She defines what is most important to clients, and then strives to meet those goals by delivering a vast array of resources in a way that is most appropriate for what clients want to accomplish.
In addition to working as a Financial Advisor, Claire actively involves in community services. In the past, she served in the Boards of Taiwanese Chamber of Commerce in Houston, National Taiwan University Alumni Association in Houston and Global Federation of Chinese Business Women Southern USA Chapter.
Claire has her MBA from University of Houston- Victoria and MS in Civil Engineering/Transportation Engineering from National Taiwan University. Claire resides in Missouri City, TX and enjoys spending time with her husband, Kyle, and two children: Lucas and Alvin.
Securities Agent: KY, TN, VA, UT, OK, IA, FL, NJ, NH, DE, AZ, MN, GA, CO, MS, IN, NY, NC, MO, IL, AL, TX, PA, OR, LA, OH, CT, CA, NM, KS, WA, MD, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1581093
NMLS#: 1581093
About Michelle M Lee
Michelle is a Vice President and Financial Advisor with over 25 years of experience in the Financial Services Industry. Michelle began her career with JP Morgan Chase working as a Financial Advisor while earning her MS degree from University of Houston, and then graduated from St. Thomas University Cameron School of Business Financial Planning Program in 2001. Michelle has been with Morgan Stanley for the past 15 years.
Michelle leverages an established, holistic process that is centered on clients’ goals, backed by comprehensive investment solutions. She provides advisory services and financial planning for high net-worth clients including trust and estate planning strategies. She offers insurance and retirement planning strategies featuring annuity, life, long-term care, and disability income insurance while emphasizing tax-efficient investment strategies
In her spare time, Michelle enjoys spending time with family through hiking, swimming, music and volunteer in the community services. Team up with Women and Wealth Team to craft an overall wealth plan for female clients that helps them achieve their financial goals. She is a founding member of Morgan Stanley Women Advisory Council in Greater Houston.
Morgan Stanley Smith Barney LLC offers insurance products and annuities in conjunction with its licensed insurance agency affiliates.
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. 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.
Michelle leverages an established, holistic process that is centered on clients’ goals, backed by comprehensive investment solutions. She provides advisory services and financial planning for high net-worth clients including trust and estate planning strategies. She offers insurance and retirement planning strategies featuring annuity, life, long-term care, and disability income insurance while emphasizing tax-efficient investment strategies
In her spare time, Michelle enjoys spending time with family through hiking, swimming, music and volunteer in the community services. Team up with Women and Wealth Team to craft an overall wealth plan for female clients that helps them achieve their financial goals. She is a founding member of Morgan Stanley Women Advisory Council in Greater Houston.
Morgan Stanley Smith Barney LLC offers insurance products and annuities in conjunction with its licensed insurance agency affiliates.
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. 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.
Securities Agent: TN, OH, NY, IA, MN, WA, MO, KY, OK, MS, KS, DE, MD, MA, IN, CA, UT, NH, GA, OR, NM, NJ, IL, CT, LA, CO, AL, NC, TX, PA, FL, AZ, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1364395
NMLS#: 1364395
About Sasha Lobo
Sasha Lobo is a Financial Advisor and holds the Financial Planning Specialist designation at Morgan Stanley. Born and raised in Sugar Land Texas, she has strong ties to this community and seeks to help those around her achieve financial success. With a focus on working with High-Net-Worth individuals, families, and business owners, she works side-by-side with you to outline what your long-term financial goals and objectives are and will guide you throughout your personalized financial journey. Sasha also believes in utilizing a collaborative approach to Wealth Management and consults with her team of 16 to find the most suitable solutions for each individual.
Sasha is a proud Aggie where she studied Management Information Systems, Cybersecurity, and International Business during her time at Texas A&M University and continues to take an active role in contributing back to her Alma Mater. In her spare time, she enjoys spending time with family and friends, traveling the world, staying active through her love for soccer, and playing the piano.
In addition to working as a Financial Advisor, Sasha places a heavy emphasis on giving back to the community. She has spent many hours volunteering for Hope4Three, The Houston Food Bank, Parks Youth Ranch and various other organizations around the Greater Houston area. She is also an active member of The Houston A&M Club, Houston Aggie Women, The Junior League of Houston, and The South Asian Chamber of Commerce - Houston.
Sasha is a proud Aggie where she studied Management Information Systems, Cybersecurity, and International Business during her time at Texas A&M University and continues to take an active role in contributing back to her Alma Mater. In her spare time, she enjoys spending time with family and friends, traveling the world, staying active through her love for soccer, and playing the piano.
In addition to working as a Financial Advisor, Sasha places a heavy emphasis on giving back to the community. She has spent many hours volunteering for Hope4Three, The Houston Food Bank, Parks Youth Ranch and various other organizations around the Greater Houston area. She is also an active member of The Houston A&M Club, Houston Aggie Women, The Junior League of Houston, and The South Asian Chamber of Commerce - Houston.
Securities Agent: NH, LA, IL, CT, WV, PA, OK, MA, KS, NV, MS, HI, WY, WI, NY, NM, NE, ND, ME, FL, DC, AZ, OH, TX, AL, UT, TN, PR, MT, MD, IN, AK, VI, SD, DE, NC, MN, AR, VA, RI, NJ, ID, GA, CO, CA, VT, MO, MI, KY, IA, WA, SC, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 2552711
NMLS#: 2552711
About Joshua Lee
Joshua Lee is a financial advisor with The Math Group, a nationally recognized financial advisory team based in Houston. With over 15 years of industry experience, Joshua joined Morgan Stanley with a dedicated mission: to deliver an unparalleled wealth management experience to business owners, entrepreneurs, executives, retirees, and their families. He is committed to providing the highest level of service and ensuring client success.
Joshua focuses on personalized family wealth management services, offering access to the team’s private banking group, asset management, and comprehensive estate and financial planning strategies. Prior to joining Morgan Stanley, he was part of a $100 billion AUM multi-asset investment team at Invesco, where he focused on asset allocation strategies, investment manager selection, macroeconomic research, portfolio analysis, and market commentary for institutional investors. As a Chartered Financial Analyst (CFA®) and a Certified Financial Planner (CFP ®), his extensive experience and investment acumen help enable him to deliver integrated wealth planning strategies designed to help clients efficiently pursue their financial objectives.
Joshua earned a degree in Economics with a minor in Business from the University of Texas at Austin. Outside of work, Joshua enjoys spending time with his wife Bev and their two sons, traveling, playing basketball, pickleball, and golf, and actively serving in his local church, Seven Mile Road.
Joshua focuses on personalized family wealth management services, offering access to the team’s private banking group, asset management, and comprehensive estate and financial planning strategies. Prior to joining Morgan Stanley, he was part of a $100 billion AUM multi-asset investment team at Invesco, where he focused on asset allocation strategies, investment manager selection, macroeconomic research, portfolio analysis, and market commentary for institutional investors. As a Chartered Financial Analyst (CFA®) and a Certified Financial Planner (CFP ®), his extensive experience and investment acumen help enable him to deliver integrated wealth planning strategies designed to help clients efficiently pursue their financial objectives.
Joshua earned a degree in Economics with a minor in Business from the University of Texas at Austin. Outside of work, Joshua enjoys spending time with his wife Bev and their two sons, traveling, playing basketball, pickleball, and golf, and actively serving in his local church, Seven Mile Road.
Securities Agent: KS, TN, NJ, MD, IA, NM, CO, CA, VA, OK, NH, MA, AZ, IN, AL, WA, PA, NY, MN, DE, OH, KY, GA, UT, MO, FL, TX, OR, NC, IL, CT, MS, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 2781511
NMLS#: 2781511
About Regina Willis
Regina Willis is the lead service professional of The Math Group at Morgan Stanley. She is a licensed Portfolio Associate with over 25 years of financial experience. She began her career in Austin Texas, with Morgan Stanley (formerly Dean Witter, Reynolds) in 1997. Regina leverages her relationship management skills and enhances the client experience. As a member of The Math Group, Regina works with ultra-high net worth families on investment strategies for the growth and protection of wealth.
Regina is originally from San Marcos, Texas where she graduated with a Bachelor of Administration, Management at Southwest Texas State University. She currently lives in Richmond, Texas with her husband Joe and their two dogs: Rocko and Olivia. They are proud parents of 5 children and 3 grandchildren.
Regina is originally from San Marcos, Texas where she graduated with a Bachelor of Administration, Management at Southwest Texas State University. She currently lives in Richmond, Texas with her husband Joe and their two dogs: Rocko and Olivia. They are proud parents of 5 children and 3 grandchildren.
About Carmen Garcia
Carmen has been a valued member of The Math Group since 2011 and manages relationships for the team. Carmen has held a variety of roles
within Morgan Stanley and predecessor firms and began her career with Drexel Burnham Lambert in 1979.
She serves as administrative and operational support in daily business practices and conducts outreach to maintain strong relationships with clients. Carmen is an active volunteer in the Sugar Land community.
within Morgan Stanley and predecessor firms and began her career with Drexel Burnham Lambert in 1979.
She serves as administrative and operational support in daily business practices and conducts outreach to maintain strong relationships with clients. Carmen is an active volunteer in the Sugar Land community.
About Lauryn Reinoso
Lauryn has over 29 years of experience in the financial services industry. She joined our team after 12 years as a Senior Wealth Strategy Associate at UBS in River Oaks. Prior to that, Lauryn was at Merrill Lynch downtown Houston for 17 years as an Investment Associate. She graduated from the University of Houston main campus with a Business Administration degree. Lauryn is mainly focused on investments and planning, but glad to assist with client needs.
Lauryn spent time growing up in many places including Boson, Connecticut, Brazil, and Texas. She currently lives in Missouri City with her husband Kenny and her two dogs. Lauryn has two children, her daughter Lindsay who is serving in the United States Army, and her son Ryan who is attending TCU. Her favorite part of her job is the relationships built – sharing laughter, tears and navigating the markets together. She loves the Lord, her family, the outdoors and sports.
Lauryn spent time growing up in many places including Boson, Connecticut, Brazil, and Texas. She currently lives in Missouri City with her husband Kenny and her two dogs. Lauryn has two children, her daughter Lindsay who is serving in the United States Army, and her son Ryan who is attending TCU. Her favorite part of her job is the relationships built – sharing laughter, tears and navigating the markets together. She loves the Lord, her family, the outdoors and sports.
Contact Kapil Mathur
Contact Ward Pendleton
Contact Jon Andersen
Contact Steven Thorpe
Contact Vivek Mehta
Contact Tarika Nath
Contact Claire Liaw
Contact Michelle M Lee
Contact Sasha Lobo
Contact Joshua Lee
Awards and Recognition
Barron's Top 1,200 Financial Advisors: State-by-State
2020-2026 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2020-2026). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
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
Ben Cucuzza
Private Banker | Market Manager
About Ben Cucuzza
Ben Cucuzza is a Private Banker | Market Manager serving Morgan Stanley Wealth Management offices in Texas.
Private Banker | Market Managers partner with Financial Advisors/ Private Wealth Advisors (collectively “Advisors”) to deliver specialized cash management and lending solutions, while strategically leading sales activity and deepening client engagement across Wealth Management markets to drive growth aligned with long-term business and client objectives.
Ben began his career in financial services in 2005 and joined Morgan Stanley in 2022. Prior to joining the firm, he was an Affluent Segment Leader at Wells Fargo Bank, N.A.
Ben is a graduate of the University of Georgia, where he received a Bachelor of Business Administration in Marketing. He lives in Houston, Texas with his family. Outside of the office, Ben is involved with the Junior Achievement as well as the Big Brothers Big Sisters program. He also enjoys fishing, sports, and watching the Georgia Bulldogs.
Private Banker | Market Managers partner with Financial Advisors/ Private Wealth Advisors (collectively “Advisors”) to deliver specialized cash management and lending solutions, while strategically leading sales activity and deepening client engagement across Wealth Management markets to drive growth aligned with long-term business and client objectives.
Ben began his career in financial services in 2005 and joined Morgan Stanley in 2022. Prior to joining the firm, he was an Affluent Segment Leader at Wells Fargo Bank, N.A.
Ben is a graduate of the University of Georgia, where he received a Bachelor of Business Administration in Marketing. He lives in Houston, Texas with his family. Outside of the office, Ben is involved with the Junior Achievement as well as the Big Brothers Big Sisters program. He also enjoys fishing, sports, and watching the Georgia Bulldogs.
NMLS#: 703137
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and 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
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
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Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 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 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.
5Morgan 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
6Investors 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan 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.
9Morgan 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.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
13Morgan 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.
14When 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 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 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.
5Morgan 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
6Investors 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan 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.
9Morgan 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.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
13Morgan 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.
14When 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
