Senior Vice President, Wealth Management, Senior Portfolio Management Director, Lending Specialist, Workplace Advisor – Equity Compensation, Financial Advisor
Our Mission Statement
Providing custom strategies for the complexities of wealth.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve.
Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Our Financial Advisors work with even the most complex financial portfolios. We’re also well versed in both family and business dynamics—important elements in many financial issues.
In addition, we have a deep understanding of market trends and the global economic landscape. We give you objective, understandable advice, so you can invest with confidence.
Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Our Financial Advisors work with even the most complex financial portfolios. We’re also well versed in both family and business dynamics—important elements in many financial issues.
In addition, we have a deep understanding of market trends and the global economic landscape. We give you objective, understandable advice, so you can invest with confidence.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Ultra-High Net Worth Resources
Philanthropic Planning
There's more to charitable giving than you may realize. A Donor Advised Fund is one method that provides flexibility and can help maximize your impact.
Intergenerational Wealth Planning
Wealthy families are more than investment accounts and trusts. They are comprised of people who feel all the affections, fears and resentments that underpin human relationships—here playing out under the stress of dealing with complex challenges that less wealthy families seldom have to face.
Signature Access
A broad range of specialty services are available to enrich and enhance the health, safety, comfort, and interests of affluent families, from private aviation, personal security, art advisory, and household staffing, to private health advisory services and advisory services for single family offices.
Tax-Efficient Investing
Smart tax planning can help you save more for retirement and keep more of what you've already saved. Consider these tax-efficient retirement planning strategies.
Wealth Education
Financial Literacy means being empowered with the knowledge to make smart financial decisions during every stage of life. Discussing family finances is especially important with adult children, no matter their age. It's not always easy, but starting the conversation is a great first step to short and long-term financial.
Preserving Wealth Through Risk Mitigation
Hidden risks abound. For affluent families, this can mean unwanted financial exposure. A simple risk assessment can go a long way to help close these gaps.
Our Extended Team
Family Office Resources at Morgan Stanley addresses the full breadth of your wealth on an individual level to create a personalized plan for your unique needs. Our team at The Palomar Group will work together with the Family Office Resources specialists to curate and navigate an expansive suite of highly specialized resources for your complex challenges of managing significant wealth. The advanced strategies offered in our suite of services include, but are not limited to, Charitable Giving, Tax Efficient Investment Strategies, Diversifying Concentrated Stock Positions, Crafting a Strategy for Estate Planning and Aligning Investments with your Core Values.
Keith Maxey, Vice President
Keith Maxey is a Planning Analyst in Estate Planning Strategies tasked with providing a wide range of services. He performs detailed financial reviews for some of Morgan Stanley’s most important clients, concentrating on areas that are most important to them. The reviews may cover topics including wealth transfer, philanthropic planning, asset protection, cash flow modeling and probability analysis. Additionally, Keith assists Financial Advisors in client discovery, helping them gather required information for the most accurate comprehensive analysis. He also provides Financial Advisors reports illustrating specific wealth transfer strategies and equity compensation reviews.
Denise Schuh, Executive Director
Denise Schuh is an Executive Director and Wealth & Estate Planning Strategist for Morgan Stanley’s Southern Central region. In collaboration with the firm’s Financial Advisors, Denise provides customized solutions for the comprehensive wealth planning needs of the firm’s ultra-high net worth clients. Denise’s areas of expertise include estate tax planning, sophisticated wealth transfer and trust planning strategies, business succession, asset protection, charitable and income tax planning.
Melanie Schnoll Begun, Managing Director
Melanie Schnoll Begun is Head of Philanthropy Management for Morgan Stanley Family Office Resources. For over 20 years, she has worked with many of the Firm’s wealthiest and most influential clients to marry their philanthropic interests with their financial goals. Her team develops focus areas for client’s philanthropy; engages senior and millennial generations in their foundation’s governance; designs customized grant portfolios; aligns client values with impactful investing; and facilitates giving circles, board retreats and educational events.
Joseph Romano, Executive Director
Joseph is an Executive Director at Morgan Stanley and a Wealth & Estate Planning Strategist for the Mid-Atlantic region of the firm. In this role he works with the firm’s most ultra high net worth clients and their outside advisors on strategic solutions in the areas of estate, tax and family governance. Utilizing a multi-disciplinary approach he is able to bring Morgan Stanley’s wide range of specialists to focus on solutions affecting the ultra high net worth client space. Utilizing both internal and external resources, Joseph works with clients their accountants and attorneys to develop deep intergenerational solutions and efficiency. Joseph brings the firm’s intellectual capital to clients and their professional service providers through sophisticated trust modeling, tax analysis and investment strategies and analysis. Joseph also teaches and grades Financial Advisors who enroll in the Morgan Stanley Family Wealth Director program and works closely with Morgan Stanley Gift. He is a frequent lecturer for the firm and actively speaks on topics ranging from tax strategy,
diversity and governance.
diversity and governance.
Individual Plans For Individuals Like You
Goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass virtually all the elements of your financial and personal life, helping make sure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, we can help you take charge of your financial future and achieve your goals.
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with you to create a realistic, holistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs.
Goals Planning System (GPS)
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is on track to achieving their financial plans.
Portfolio Risk Tool
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world's largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Morgan Stanley Wealth Management Capabilities
At Morgan Stanley Wealth Management, our Financial Advisors start with you, focusing on your success and remaining committed to helping you grow your wealth and pursue your financial goals.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Location
1111 Prospect Street
La Jolla, CA 92037
US
Direct:
(858) 729-5147(858) 729-5147
4350 La Jolla Village Dr
Suite 1000
San Diego, CA 92122
US
1111 Prospect St
La Jolla, CA 92037
US
Meet The Palomar Group
Senior Vice President, Financial Advisor, Executive Financial Services Director, Portfolio Management Director, Family Wealth Director, Corporate Client Group Director
Phone:
(858) 643-5061(858) 643-5061
Vice President, Financial Advisor, Senior Portfolio Manager, Workplace Advisor – Equity Compensation, Alternative Investments Director
Phone:
(760) 931-4632(760) 931-4632
Phone:
(858) 729-5130(858) 729-5130
Phone:
(415) 984-6071(415) 984-6071
Phone:
(858) 729-5023(858) 729-5023
Phone:
(858) 674-3942(858) 674-3942
Phone:
(858) 674-3943(858) 674-3943
Stephen Seidel
Financial Advisor
Phone:
(858) 674-3939(858) 674-3939
Phone:
(858) 597-7739(858) 597-7739
About Clinton Curtright
Clinton Curtright, CFP® is a Financial Advisor and has over a decade of experience in the financial industry. He is part of a team at Morgan Stanley with a focus on families with substantial concentrated stock ranging from executives of public companies to participants at the some of the largest publicly traded companies.
Prior to working with Morgan Stanley he was with a boutique private wealth management firm focused on M&A entrepreneurs and section 16 insiders of public companies.
Curtright’s educational background includes two master’s degrees including an MBA with an emphasis in finance and marketing from University of San Diego, where, at 22 years old, he graduated magna cum laude as the youngest MBA graduate in the history of the university. While living abroad, Curtright also obtained a second master’s degree in information systems and holds a Bachelor of Science degree in business economics from Saint Louis University, where he graduated with honors in just three years. He is also a Certified Financial Planner ™and as such he focuses on providing his clients specific, personalized and comprehensive advice across a multitude of disciplines.
He and his wife Sarah have two young children and they live in Southern California.
Prior to working with Morgan Stanley he was with a boutique private wealth management firm focused on M&A entrepreneurs and section 16 insiders of public companies.
Curtright’s educational background includes two master’s degrees including an MBA with an emphasis in finance and marketing from University of San Diego, where, at 22 years old, he graduated magna cum laude as the youngest MBA graduate in the history of the university. While living abroad, Curtright also obtained a second master’s degree in information systems and holds a Bachelor of Science degree in business economics from Saint Louis University, where he graduated with honors in just three years. He is also a Certified Financial Planner ™and as such he focuses on providing his clients specific, personalized and comprehensive advice across a multitude of disciplines.
He and his wife Sarah have two young children and they live in Southern California.
Securities Agent: MS, WV, WA, TN, MT, WY, WI, VA, UT, TX, SD, SC, RI, OR, OH, NY, NV, NM, NJ, NH, MO, MN, MI, MA, KS, IL, ID, GA, FL, DC, CT, CO, CA, AZ, AL, AK, PA, AR, DE, ND, HI, MD, IA, NE, IN, NC, KY, OK, LA, ME, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1262040
CA Insurance License #: 0I97811
NMLS#: 1262040
CA Insurance License #: 0I97811
About Michael Tedesco
Securities Agent: MD, GA, WA, VT, SC, OR, NV, NM, NH, NC, HI, FL, MI, NJ, ID, AZ, WI, SD, CA, OK, OH, WY, TX, PA, CT, CO, VA, UT, NY, KS, IA, DC, AR, MN, MA, IN, TN, RI, AK, WV, MT, AL, NE, MS, MO, DE, ND, ME, LA, KY, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1278657
NMLS#: 1278657
About Simon Petro
Simon Petro CFP®, CPWA®, CIMA® was originally born and raised in the Philippines where his family were missionaries to an indigenous tribe in the jungles. After graduating from a top boarding school in the Philippines, he initially moved to Australia and ended up pursuing further education in Germany, where he continued to develop his skills and knowledge.
In the U.S., Simon completed his degree in finance from Point Loma Nazarene University's Fermanian School of Business. He then went on to earn the CERTIFIED FINANCIAL PLANNER™ designation from the Boston School of Finance, which is widely recognized as the gold standard in financial planning. He also holds a Certified Private Wealth Advisor™ designation and a Certified Investment Management Analyst ™ designation, that he received from the Yale School of Business. He is both an Alternative Investment Director and is a Workplace Advisor Equity Compensation Specialist at Morgan Stanley for The Palomar Group.
As a financial advisor, Simon takes a collaborative approach, working closely with clients to understand their unique financial needs and goals. He uses his insight and experience to create comprehensive financial plans and assist clients with tax management, wealth transfer planning, investment management, alternative investment, and philanthropic strategies.
Simon is deeply committed to staying up to date on the latest developments in the financial industry. He is dedicated to helping his clients achieve their financial goals and takes great pride in the relationships he builds with them.
Simon currently resides in San Diego, with his wife and daughter.
In the U.S., Simon completed his degree in finance from Point Loma Nazarene University's Fermanian School of Business. He then went on to earn the CERTIFIED FINANCIAL PLANNER™ designation from the Boston School of Finance, which is widely recognized as the gold standard in financial planning. He also holds a Certified Private Wealth Advisor™ designation and a Certified Investment Management Analyst ™ designation, that he received from the Yale School of Business. He is both an Alternative Investment Director and is a Workplace Advisor Equity Compensation Specialist at Morgan Stanley for The Palomar Group.
As a financial advisor, Simon takes a collaborative approach, working closely with clients to understand their unique financial needs and goals. He uses his insight and experience to create comprehensive financial plans and assist clients with tax management, wealth transfer planning, investment management, alternative investment, and philanthropic strategies.
Simon is deeply committed to staying up to date on the latest developments in the financial industry. He is dedicated to helping his clients achieve their financial goals and takes great pride in the relationships he builds with them.
Simon currently resides in San Diego, with his wife and daughter.
Securities Agent: AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1796901
CA Insurance License #: 0M62418
NMLS#: 1796901
CA Insurance License #: 0M62418
About Utkarsh Vasa
As a Financial Advisor at Morgan Stanley, Utkarsh Vasa’s practice primarily focuses on affluent individuals and families working through complexities within their financial situation. He works together with clients to identify goals, and subsequently solutions to help achieve them.
Utkarsh is originally from London, England and moved to the Bay Area at an early age. He was unable to resist the temptation of sunny southern California and chose to continue his education at the University of California San Diego, where he received a BS in Management Science and a minor in Accounting. Upon graduation it was important to Utkarsh to find a career where he could make a meaningful impact on people’s lives, yet also pursue his passion of finance. Shortly after graduation, Utkarsh began working at Morgan Stanley. To continue mastering his craft, he pursued the Certified Financial Planner designation, the most recognized in the industry. From a wealth of experience and continued education, Utkarsh has been able to focus on developing tailored wealth solutions to fulfil client needs while also leveraging Morgan Stanley’s industry leading research and access.
Utkarsh is originally from London, England and moved to the Bay Area at an early age. He was unable to resist the temptation of sunny southern California and chose to continue his education at the University of California San Diego, where he received a BS in Management Science and a minor in Accounting. Upon graduation it was important to Utkarsh to find a career where he could make a meaningful impact on people’s lives, yet also pursue his passion of finance. Shortly after graduation, Utkarsh began working at Morgan Stanley. To continue mastering his craft, he pursued the Certified Financial Planner designation, the most recognized in the industry. From a wealth of experience and continued education, Utkarsh has been able to focus on developing tailored wealth solutions to fulfil client needs while also leveraging Morgan Stanley’s industry leading research and access.
Securities Agent: MT, ME, CT, AK, WV, VA, NE, ID, AZ, WI, TX, SC, LA, FL, CO, WY, NC, MN, KY, HI, MI, IL, OK, UT, RI, OH, ND, MS, GA, DE, PA, NJ, MD, KS, CA, AR, TN, NY, NM, MA, IN, AL, WA, VT, MO, IA, DC, SD, OR, NV, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1629349
CA Insurance License #: 0164382
NMLS#: 1629349
CA Insurance License #: 0164382
About Stefano Rakigjija
Stefano Rakigjija, CFP® holds a bachelor’s degree from the University of San Francisco in business management with a focus in business management, finance and strategic entrepreneurship. He is also a Certified Financial Planner™ and Workplace Advisor focusing on equity compensation. As a first generation American, he speaks fluent Spanish. He currently co-leads the Executive Financial Services initiative for The Palomar Group, and works closely with key employees of publicly traded companies to assist with 10b5-1 planning, drafting and execution. He oversees all plans that The Palomar Group works on with each of their clients to help ensure plans are executed in an accurate and timely manner. He currently resides in La Jolla, California.
Securities Agent: MO, WI, VA, WY, UT, PA, OR, OH, NV, ME, DE, WA, VT, SD, NM, NJ, MD, LA, KS, AR, NE, MT, MS, MA, CA, TN, NC, GA, AL, NY, MN, OK, MI, KY, IN, IL, ID, FL, DC, CT, AZ, WV, SC, IA, HI, CO, AK, TX, RI, NH, ND; General Securities Representative; Investment Advisor Representative
NMLS#: 1802249
NMLS#: 1802249
About Stephen Farmer
Stephen Farmer drives business development for the Opus Group, coming to Morgan Stanley from the world of tech sales. He focuses on establishing new client relationships and enhancing the client experience for clients. Stephen has his FINRA Series 7 & 66 and his CA State insurance licenses, #0K81194.
Stephen is originally from the Clinton, New Jersey area but spent his summers in Spring Lake, New Jersey. He graduated from Rutgers College with a Bachelor of Arts in History. Stephen is a resident of Oakland who spends his time outside of the office as an officer of Toastmasters. He also enjoys running and pretty much anything that keeps him outside.
Stephen is originally from the Clinton, New Jersey area but spent his summers in Spring Lake, New Jersey. He graduated from Rutgers College with a Bachelor of Arts in History. Stephen is a resident of Oakland who spends his time outside of the office as an officer of Toastmasters. He also enjoys running and pretty much anything that keeps him outside.
Securities Agent: TN, KY, WV, PA, NV, NC, MI, CO, MA, ID, FL, DC, WI, RI, TX, MT, MO, MD, GA, VA, UT, OK, NJ, MS, ME, DE, CA, VT, NM, KS, IL, SD, MN, IN, WY, OR, NH, ND, HI, AZ, AR, AK, WA, SC, OH, NE, LA, CT, AL, VI, NY, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1482044
NMLS#: 1482044
About Nathan Parviz
What drew Nathan Parviz to be a Financial Advisor was being able to build a relationship with clients and help them on a very personal level. Nathan was born in Iran and immigrated to America at 5 years of age. He was shown the value of hard work from his immigrant parents at a very young age. In Nathan’s early 20s, he spent 5 years in the mortgage industry and it gave him an opportunity to help people accomplish a major personal goal in getting their Mortgage secured. Nathan spent 10 years as a Private Banker for Wells Fargo Bank. He had several positions around wealth management and private banking. After getting his licenses and experience at Wells Fargo, Nathan transitioned to Morgan Stanley to become a Financial Advisor. This enabled him to continue the work he was doing and take it a step further as a Financial Advisor with Morgan Stanley. At Morgan Stanley, Nathan’s role on the team is to assist clients in the creation of a comprehensive plan and help them with the implementation process. He continues to provide guidance as he learns and grows with his clients over time. Nathan is now a father of a beautiful baby girl and married to a wonderful supportive wife. Nathan firmly believes anything can be accomplished when there is proper motivation and a focus on the goals that matter to people most.
Securities Agent: OH, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 516267
CA Insurance License #: 0K08752
NMLS#: 516267
CA Insurance License #: 0K08752
About Jerwin Paz
For nearly two decades Jerwin has helped clients address their financial concerns and develop strategies by focusing on each individual’s specific needs. With extensive experience throughout major shifts in the markets and life changing events, Jerwin has dedicated his career to delivering a personalized wealth planning service his clients deserve.
Jerwin has a passion for learning. He received his Bachelor of Science degree at University of Arizona in Finance and Entrepreneurship and continued to receive his Juris Doctorate from Purdue University.
Previously to joining Morgan Stanley, Jerwin was a financial advisor at Wells Fargo. At Morgan Stanley he continues to provide personalized financial advice for individuals, families, and businesses.
In his free time Jerwin spends his time with his wife and their three children, Joselyn, Alyson, and Logan. They enjoy staying active both physically and mentally, whether they are all playing sports together at the park sport’s complex where he coached his children’s baseball, soccer, and basketball teams or taking regular trips to the museum or zoo. Jerwin also enjoys golf, biking, cooking, and eating.
CA 0G57971
Jerwin has a passion for learning. He received his Bachelor of Science degree at University of Arizona in Finance and Entrepreneurship and continued to receive his Juris Doctorate from Purdue University.
Previously to joining Morgan Stanley, Jerwin was a financial advisor at Wells Fargo. At Morgan Stanley he continues to provide personalized financial advice for individuals, families, and businesses.
In his free time Jerwin spends his time with his wife and their three children, Joselyn, Alyson, and Logan. They enjoy staying active both physically and mentally, whether they are all playing sports together at the park sport’s complex where he coached his children’s baseball, soccer, and basketball teams or taking regular trips to the museum or zoo. Jerwin also enjoys golf, biking, cooking, and eating.
CA 0G57971
Securities Agent: PR, OH, KS, WY, MA, IL, CT, VI, NE, ND, NC, KY, AK, MD, CA, UT, SC, OR, MT, MO, OK, NM, MN, LA, AZ, AL, WI, WA, VT, VA, MI, IN, IA, FL, NJ, ME, CO, WV, SD, NY, NV, NH, MS, ID, HI, GA, DE, DC, AR, TX, TN, RI, PA; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 2161889
NMLS#: 2161889
About Christopher Kosmo
Christopher "Chris" Kosmo is an Assistant Vice President Financial Advisor with decades of experience in the financial services industry. Prior to joining Morgan Stanley Chris worked in residential financing, and banking. Helping clients with various lending or banking needs which gave him a base line to help clients accomplish their individualized financial goals. Soon after Chris transitioned into becoming a Financial Advisor at Wells Fargo.
Chris has passion for meeting each client’s individualized goals. Whether is it helping a client plan for retirement, pay for their child’s education or some other financial goal, he finds great satisfaction from being a sounding board to listen and offer advice.
Chris’s approach is service oriented. This entails understanding what is most important to a prospective client and then taking a planned approach for investment decisions. Having an objective based plan allows for greater purpose behind any investment decisions.
In his free time Chris enjoys spending his time with his wife Amanda and their two girls Brynnley and Harper. Staying active with swimming, soccer, riding bikes, or long walks in the neighborhood. Chris also enjoys spending his time working out as often as he can, golfing, hosting BBQs and enjoying everything that the beautiful city of San Diego has to offer.
CA 0H63653
Chris has passion for meeting each client’s individualized goals. Whether is it helping a client plan for retirement, pay for their child’s education or some other financial goal, he finds great satisfaction from being a sounding board to listen and offer advice.
Chris’s approach is service oriented. This entails understanding what is most important to a prospective client and then taking a planned approach for investment decisions. Having an objective based plan allows for greater purpose behind any investment decisions.
In his free time Chris enjoys spending his time with his wife Amanda and their two girls Brynnley and Harper. Staying active with swimming, soccer, riding bikes, or long walks in the neighborhood. Chris also enjoys spending his time working out as often as he can, golfing, hosting BBQs and enjoying everything that the beautiful city of San Diego has to offer.
CA 0H63653
Securities Agent: NH, PA, NJ, HI, SD, ME, LA, MT, MN, RI, OK, KY, VI, IN, AL, IA, DE, WY, ND, DC, AK, WV, PR, NM, MO, AR, MS, MI, NE, NV, NC, WI, VA, UT, KS, OH, CT, MD, NY, IL, TN, CO, CA, WA, SC, OR, ID, AZ, VT, MA, GA, FL, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 516346
CA Insurance License #: 0H63653
NMLS#: 516346
CA Insurance License #: 0H63653
About Stephen Seidel
Stephen was born and raised in San Diego. He attended the University of Colorado where he earned a bachelors degree in Business Administration. Stephen began his career in finance at Janus Funds in Colorado before relocating to Irvine, CA to work in Marketing at American Funds. He joins The Seidel Group at Morgan Stanley fully licensed and enjoys tennis, golf and volleyball in his spare time.
Securities Agent: DC, SD, OH, LA, FL, OR, OK, NH, NE, AK, WI, WA, MT, MS, CT, CO, AL, NY, NM, MN, ME, MA, KY, KS, IN, DE, AR, VA, SC, ND, NC, IA, UT, TX, NV, MO, MI, MD, IL, WV, VT, TN, RI, ID, PA, NJ, HI, AZ, WY, GA, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1809634
NMLS#: 1809634
About Kyle Knudsen
Securities Agent: TN, NC, ID, HI, VT, UT, SC, OR, ME, KS, DC, OH, SD, MS, MD, MA, LA, AL, VA, NV, NJ, MI, GA, AK, WA, MO, MN, PA, KY, IL, WV, OK, NY, NM, ND, MT, IN, RI, FL, CO, WI, TX, NH, CT, AZ, AR, WY, IA, DE, CA, NE; General Securities Representative; Investment Advisor Representative
NMLS#: 1268296
NMLS#: 1268296
Contact Clinton Curtright
Contact Michael Tedesco
Contact Simon Petro
Contact Utkarsh Vasa
Contact Stefano Rakigjija
Contact Stephen Farmer
Contact Nathan Parviz
Contact Jerwin Paz
Contact Christopher Kosmo
Contact Stephen Seidel
Contact Kyle Knudsen
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
Lina Li
Private Banker
Mark T Curtis
Managing Director, Stock Plan Director, Financial Planning Specialist, Family Wealth Director, International Client Advisor, Investing with Impact Director
James J Detterick, CRPS®
Managing Director, Corporate Client Group Director, Institutional Consulting Director, Stock Plan Director
Managing Director, Private Wealth Management, Private Wealth Advisor, Stock Plan Director
Michael Gallagher
Managing Director, Wealth Management, Financial Advisor, Corporate Client Group Director
Madison George
Planning Associate
About Lina Li
Lina Li is a Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Lina began her career in financial services in 2005, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, she was a Banking Advisor at Merrill Lynch. She also served as a Preferred Banking Office Manager at First Republic Bank and a Banking Center Manager at Bank of America.
Lina is a graduate of San Jose State University, where she received a Bachelor of Science in Business Administration with a Concentration in Accounting. She lives in San Jose, California with her family. Outside of the office, she enjoys reading, travelling, and spending time with family and friends. Lina dedicates her time to SCRITCH Kittens as Secretary, Adoption Counselor and foster.
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.
Lina began her career in financial services in 2005, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, she was a Banking Advisor at Merrill Lynch. She also served as a Preferred Banking Office Manager at First Republic Bank and a Banking Center Manager at Bank of America.
Lina is a graduate of San Jose State University, where she received a Bachelor of Science in Business Administration with a Concentration in Accounting. She lives in San Jose, California with her family. Outside of the office, she enjoys reading, travelling, and spending time with family and friends. Lina dedicates her time to SCRITCH Kittens as Secretary, Adoption Counselor and foster.
NMLS#: 1376901
About Madison George
Madison George is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Madison provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate degree from Fairfield University and received the Financial Planning Specialist® designation from the College for Financial Planning. Madison is originally from and currently resides in Garden City, New York.
She earned her undergraduate degree from Fairfield University and received the Financial Planning Specialist® designation from the College for Financial Planning. Madison is originally from and currently resides in Garden City, New York.
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.
Wealth Management
Global Investment Office
Portfolio Insights
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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.
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by 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 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.
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.
3Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5When 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.
6Morgan 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.
7Morgan 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.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan 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.
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.
3Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5When 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.
6Morgan 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.
7Morgan 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.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
