Scott A. Lewis, CFP®, QPFC, RICP®
Senior Vice President, Financial Advisor, Workplace Advisor - Equity Compensation
Phone:
(517) 324-8005(517) 324-8005
Our Mission Statement
SERVE. EDUCATE. LEAD. INVEST. Taking a client-centric approach to wealth planning, we provide custom strategies for every step of your life. We help you build, preserve and transfer your wealth with clarity and confidence. Prioritizing relationships and advice over fees and commissions.
Our Story and Services
The Scott Lewis Group is a team of professionals relentlessly focused on building genuine relationships to make an impactful difference in the lives of our clients. The achievement of your financial and life goals is possible with the guidance of a dedicated and versatile wealth management group. Our client-first approach identifies your most important needs and goals in order to construct a wealth management plan that is uniquely yours. Through each step of your journey, we provide personalized advice and unwavering support to help ensure you have every opportunity to achieve your most ambitious life goals.
We will apply a "blue-collar" work ethic and work as hard for you as you work for your money. As our team often says, "Wealth doesn't just happen; it is a planned event," and we would like to help you plan for your future events.
Serve
We focus on working with affluent individuals and families. These investors are typically extremely driven, successful, and intelligent people. We realize that many of our clients have the capability to self-direct their wealth management if they want to invest the time and energy. That is why we place such a high emphasis on SERVICE.
Our goal is to pay meticulous attention to detail on all the necessary yet mundane tasks so our clients can spend more time doing the things they enjoy. Our experienced support professionals will proactively reach out to help ensure regularly scheduled reviews are completed, and clients remain on track to meet their goals.
Educate
We are continually honing our craft to better serve our clients. EDUCATION starts internally with our team. We subscribe to being lifelong learners, consistently striving for new financial designations, degrees, and licensing while incorporating the latest financial technology tools into our practice.
We then shift our educational focus to learning about our clients. We often say that the hardest part of our job is getting to know the person behind the portfolio. Before we can provide quality advice, we must first EDUCATE ourselves about our clients. We need to start with the end in mind by learning their hopes, dreams, and goals. Only then can we begin to formulate a path forward.
The final step is to EDUCATE our clients on the options, risks, and considerations they will need to evaluate in an effort to accomplish their goals. Our clients are smart and do not necessarily need recommendations; they need to be educated on topics that interest them and given the resources and knowledge necessary to make sound financial decisions.
Lead
Emotions can be a large part of anyone's financial journey. We will LEAD our clients through volatile times in their lives and in the market with non-emotional, academically grounded advice. We will lead with quality ideas that are centered around client-stated objectives.
We will LEAD by collaborating with other professionals our clients work with and depend on, such as CPAs and estate planning attorneys. We will LEAD by example in our own personal and financial lives.
Invest
Investing appropriately is the byproduct of our first three pillars. We will use the depth and breadth of the firm's resources to potentially maximize returns while seeking to reduce risk. As the saying goes, buyers are born and sellers are educated.
We will assist in the inception, monitoring, and eventual sale of assets under management. Our goal is to help build, preserve, and transfer wealth through generational wealth planning and investing.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Plan Today to Achieve your Goals for Tomorrow
2026 Tax Tables
Make sure you're prepared for tax season by checking out the 2026 Tax Tables
Business Planning
You work hard to maintain your business and satisfy your clients - you also need to meet your own needs as well as the needs of your employees. You and your employees need to know that the hard work you perform will be rewarded. One of the ways to see your hard work pay off is by maintaining a retirement plan for your business.
Tax Smart Strategies for Your Retirement
Figuring out ways to minimize how much the IRS takes from your retirement money should be a central part of retirement planning. 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.
Retirement Account Conversions
By converting to a Roth IRA, you have taken a step that will potentially provide you with a tax-free income for your retirement and/or tax-free inheritance for your heirs. However, there are significant differences in how Roth IRAs are treated versus Traditional IRAs. The following questions and answers are designed to help you understand your new opportunities and limitations.
Strategies to Finance Your Business
Growth could be within your grasp—if you can get the right financing. We can help you take the right steps towards financing your business.
Social Security Benefits
If you've built a healthy nest egg for your retirement, you may not be relying on Social Security benefits to cover expenses when you stop working. Still, there are important considerations to keep in mind around when and how to claim Social Security that can help you make the most of your benefits for retirement and other financial goals.
Six Step Retirement Checkup
We'll help you understand the fundamentals of finance and put your resources to work, so you can plan, invest, and ultimately transition to retirement with confidence.
Choosing a financial planner may be one of the most important decisions you make for yourself and your loved ones. Financial planners can provide you and your family with guidance over your lifetime, or work with you to address specific concerns as needed. A planner can play a central role in helping you meet your life goals and achieve financial well-being. Consequently, take the time to select a financial planner who is competent and dedicated, one on whom you can depend for professional advice and services. Your future depends on the choices you make.
Our Process
By implementing our six-step process, we will utilize a holistic approach to wealth management. We help to identify your most important needs and goals in order to construct a financial plan that is uniquely yours. This is your journey; we simply want to provide personalized advice and unwavering support to make sure you have every opportunity to achieve your most ambitious life goals. As our team often says, "wealth doesn't just happen, it is a planned event," and we would like to help you plan for your future.
Our CFP® Value: Scott Lewis
Unlike many financial advisors, CFP® professionals must develop their theoretical and practical knowledge by completing a comprehensive course of study at a college or university offering a financial planning curriculum approved by CFP Board.
Examination:
CFP® professionals must pass the comprehensive CFP® Certification Exam, which tests their abilities to apply financial planning knowledge to real-life situations.
Ethics:
When it comes to ethics and professional responsibility, CFP® professionals are held to the highest of standards. They are obliged to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence as outlined in CFP Board's Code of Ethics. The Rules of Conduct require CFP® professionals to put your interests ahead of their own at all times and to provide their financial planning services in the best interest of their financial planning clients.
Why Choose a CFP® Professional
Most people think all financial planners are "certified," but this isn't true. Anyone can use the title "financial planner", but only those who have fulfilled the certification and renewal requirements of CFP Board can display the CFP® certification trademarks. This represents a high level of competency, ethics and professionalism. Because they are held to a fiduciary standard of care, a CFP® professional is required to act in your best interest.
RICP®
The RICP® is the nation's leading credential for building integrated and comprehensive retirement income plans. A key focus is understanding, choosing, and executing a sustainable retirement income strategy from available resources—whether that means using systematic withdrawals from a portfolio, building a retirement income floor with bonds or annuities, or using a bucket strategy. The program, developed by more than 45 of the nation's top financial retirement advisors, provides RICP® credential holders with best practices in areas including:
• Social Security claiming
• Evaluating and addressing risks faced in retirement financial planning
• Choosing distributions from employer sponsored retirement financial plans
• Medicare and other health insurance choices
• Planning for long-term care needs
• Choosing appropriate housing
• Retirement income tax and legacy planning.
The Bottom Line
The Scott Lewis Group takes a client centric approach to comprehensive wealth planning by providing solutions for every step of your life; such as helping build, preserve, and transferring wealth. Once the planning has been done, our work is just beginning. We then will proactively monitor your progress to help ensure you're on track to achieve you short term and long term goals. Your plan is always a work in progress and it is never complete, but through consistent communication and team work we hope to make your financial planning journey a success.
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.
How to Stay Engaged
Check here for information on Morgan Stanley's virtual events featuring insight from professionals across all business, sports, and entertainment landscapes.
If you would like to learn more about any of these topics, use the "Contact Me" button on our Financial Advisor carousel to reach out!
Wealth Education for the Next Generation: Cybersecurity and Digital Wealth Protection
In the age of AI, cybersecurity has never been more important. This conversation focuses on how to keep your finances and family safe online. Learn about the safeguards you can implement today to have a brighter tomorrow.
Monday, October 5, 2026 | 4:00 p.m. – 5:00 p.m. ET
Wealth Education for the Next Generation: Philanthropy for the Next Generation
As the year draws to a close, now is the time to consider how philanthropy can fit into your existing financial picture. Whether you have a specific charity in mind or not, philanthropy can be a vital part of your portfolio.
Monday, November 2, 2026 | 4:00 p.m. – 5:00 p.m. ET
Wealth Education for the Next Generation: Robots, Artificial Intelligence and the Future of Investing & Finance
The future of investing is moving quickly. This conversation focuses on how the emerging robotics and AI industries may impact your portfolio. Learn how these industries operate and if you want to leverage them.
Monday, December 7, 2026 | 4:00 p.m. – 5:00 p.m. ET
Wealth Education for the Next Generation: Access 2026 Replays
View the videos from our previous sessions in 2026.
Location
2900 West Rd
Ste 300
East Lansing, MI 48823
US
Direct:
(517) 324-8005(517) 324-8005
Meet The Scott Lewis Group
Raquel Hernandez
Registered Client Relationship Analyst
Phone:
(517) 203-2888(517) 203-2888
Emma Blanchard
Registered Client Relationship Analyst
Phone:
(517) 324-8003(517) 324-8003
About Scott A. Lewis
Scott A. Lewis, CFP®, QPFC, RICP®
Senior Vice President, Financial Advisor
Workplace Advisor - Equity Compensation
Investment Management Consultant (IMC)
Scott is a Financial Advisor, Senior Vice President, Certified Financial Planner™ (CFP®), Qualified Plan Financial Consultant (QPFC), Retirement Income Certified Professional (RICP®), Investment Management Consultant (IMC) and founding partner of the Scott Lewis Group. Scott also has completed a Collaborative Divorce Training and is considered a financial neutral.
Scott enjoys helping successful individuals, families and business owners solve their financial challenges. His results-driven approach includes the development of a tailored wealth plan and a commitment to ongoing education with outstanding service. Scott works closely with his clients to simplify their lives so they may enjoy their wealth and leave the legacy they desire.
Growing up in Lansing, Scott learned first-hand the joys and challenges of being an entrepreneur as he watched his parents run a successful plumbing business in town. Their achievements inspired Scott to build his own business that would be centered around his two biggest passions: finance and helping people. After graduating from Saginaw Valley State University (SVSU) with a degree in Finance, Scott began his wealth management career at Hilliard Lyons in 1999 and never looked back.
Over the years, Scott has built a successful practice around advising families on how to better understand and manage their total financial wealth and health. Through a goals-based process, he works diligently to provide clients with clarity and confidence about their finances. Scott’s motivation is fueled by the significant impact he strives to have on the quality of his client’s lives.
Scott’s passion for helping clients is equaled only by his dedication to his family and community. He and his wife, Jaime, currently live in Charlotte with their two children. They realize that being parents is the most rewarding job they will ever have and having children under their roof is an opportunity that exists on a timeline. Because of this, they try to spend as much time with their children as possible coaching or watching them play sports, riding bikes, hanging out at the lake, fishing, going on family adventures, doing therapy work with their family dog, and being outdoors. Scott and Jaime are very active in a number of local organizations, including St Gerard Church, JDRF, ADA, Ele's Place, Coaches vs. Cancer and Blessing in a Back Pack.
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.
Senior Vice President, Financial Advisor
Workplace Advisor - Equity Compensation
Investment Management Consultant (IMC)
Scott is a Financial Advisor, Senior Vice President, Certified Financial Planner™ (CFP®), Qualified Plan Financial Consultant (QPFC), Retirement Income Certified Professional (RICP®), Investment Management Consultant (IMC) and founding partner of the Scott Lewis Group. Scott also has completed a Collaborative Divorce Training and is considered a financial neutral.
Scott enjoys helping successful individuals, families and business owners solve their financial challenges. His results-driven approach includes the development of a tailored wealth plan and a commitment to ongoing education with outstanding service. Scott works closely with his clients to simplify their lives so they may enjoy their wealth and leave the legacy they desire.
Growing up in Lansing, Scott learned first-hand the joys and challenges of being an entrepreneur as he watched his parents run a successful plumbing business in town. Their achievements inspired Scott to build his own business that would be centered around his two biggest passions: finance and helping people. After graduating from Saginaw Valley State University (SVSU) with a degree in Finance, Scott began his wealth management career at Hilliard Lyons in 1999 and never looked back.
Over the years, Scott has built a successful practice around advising families on how to better understand and manage their total financial wealth and health. Through a goals-based process, he works diligently to provide clients with clarity and confidence about their finances. Scott’s motivation is fueled by the significant impact he strives to have on the quality of his client’s lives.
Scott’s passion for helping clients is equaled only by his dedication to his family and community. He and his wife, Jaime, currently live in Charlotte with their two children. They realize that being parents is the most rewarding job they will ever have and having children under their roof is an opportunity that exists on a timeline. Because of this, they try to spend as much time with their children as possible coaching or watching them play sports, riding bikes, hanging out at the lake, fishing, going on family adventures, doing therapy work with their family dog, and being outdoors. Scott and Jaime are very active in a number of local organizations, including St Gerard Church, JDRF, ADA, Ele's Place, Coaches vs. Cancer and Blessing in a Back Pack.
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.
Securities Agent: CO, MI, IL, IA, VA, FL, DE, NC, NM, AZ, OH, NY, CA, WI, UT, GA, IN, MN, WA, TX, KY, TN, SC, MA, ID, PA, MD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297709
NMLS#: 1297709
About Raquel Hernandez
As a Registered Client Relationship Analyst, Raquel focuses on building strong client relationships and providing excellent client service. She is highly adept at handling a broad array of responsibilities and enjoys providing clients with a concierge service experience.
Raquel began her career in 2009 at Jackson National in the firm’s financial resource group. She joined Morgan Stanley in 2013 for the opportunity to work more directly with clients. Her industry knowledge and attention to detail provides clients with confidence, as she works to find potential solutions to their particular concerns. She earned her Associates Degree in Hospitality and Tourism from Lansing Community College in 2004.
Raquel and her husband, Kiefer live in Holt. They have two boys Sheppard & Roman. She is an active volunteer for the Lansing Food Bank, Junior Achievement, Program of All-Inclusive Care for the Elderly (PACE), and other local organizations. In her free time, she enjoys golf, bowling, sand volleyball and traveling. She is also a huge Harry Potter “nerd” and has decorated her home with many images of the Hogwarts castle and quotes from the books. She even named her Shiba Inu Gryffindor.
Raquel began her career in 2009 at Jackson National in the firm’s financial resource group. She joined Morgan Stanley in 2013 for the opportunity to work more directly with clients. Her industry knowledge and attention to detail provides clients with confidence, as she works to find potential solutions to their particular concerns. She earned her Associates Degree in Hospitality and Tourism from Lansing Community College in 2004.
Raquel and her husband, Kiefer live in Holt. They have two boys Sheppard & Roman. She is an active volunteer for the Lansing Food Bank, Junior Achievement, Program of All-Inclusive Care for the Elderly (PACE), and other local organizations. In her free time, she enjoys golf, bowling, sand volleyball and traveling. She is also a huge Harry Potter “nerd” and has decorated her home with many images of the Hogwarts castle and quotes from the books. She even named her Shiba Inu Gryffindor.
About Emma Blanchard
Emma graduated with a degree in Finance from Michigan State University in the spring of 2025. Her passion for wealth management and helping individuals achieve their financial goals began early in life. She has always been intrigued by the complexities of personal finance and skill of balancing it all. This interest was greatly influenced by her parents, who have supported and encouraged her to strive to be the best version of herself.
Emma began her career during her sophomore year by securing a competitive internship, leading to a Client Service Associate position, and now a Registered Client Relationship Analyst on her current team. This role has allowed Emma to develop hands-on expertise in client relations, financial planning, and service excellence, and she is now transitioning into a paraplanner role. Alongside her career and academics, Emma successfully passed the SIE, Series 7 and Series 66 exams —an accomplishment she is proud of as she balanced both academic and professional commitments.
Emma is excited to build upon these experiences and looks forward to transitioning into an advisory role where she can contribute even more to clients’ financial success. Outside of work, Emma loves spending time with her two younger sisters, exploring new places, and walking her dog. Emma firmly believes that a well-balanced life is essential for success and fulfillment, a principle she aims to bring into all aspects of her career.
Emma began her career during her sophomore year by securing a competitive internship, leading to a Client Service Associate position, and now a Registered Client Relationship Analyst on her current team. This role has allowed Emma to develop hands-on expertise in client relations, financial planning, and service excellence, and she is now transitioning into a paraplanner role. Alongside her career and academics, Emma successfully passed the SIE, Series 7 and Series 66 exams —an accomplishment she is proud of as she balanced both academic and professional commitments.
Emma is excited to build upon these experiences and looks forward to transitioning into an advisory role where she can contribute even more to clients’ financial success. Outside of work, Emma loves spending time with her two younger sisters, exploring new places, and walking her dog. Emma firmly believes that a well-balanced life is essential for success and fulfillment, a principle she aims to bring into all aspects of her career.
Contact Scott A. Lewis
Hear From Our Clients
Thanks Scott and to all of your team! You guys are much appreciated! My next mission is to make sure my daughters, son in-laws, and grandchildren are all following the ground work and directions you all have laid out. Thank you!
Doug
Verified ClientAugust 24, 2026
Raquel is the best Service Associate. She is just a phone call away and follows through with any and all requests; from tracking down an incorrectly deposited check, electronic transfer of funds for both buying and selling our home including working with the lawyer who couldn’t read instructions, and even calling us with concerns of our safety after bad weather went through our community. Raquel is friendly, helpful and very knowledgeable. We are so happy that she is a part of our team!
Marsha
Verified ClientAugust 24, 2026
Raquel always makes me feel that I am not just a client. Working with Raquel is like having a dear and incredibly knowledgeable friend to help navigate my often confusing and emotional financial responsibilities. Grateful, just profoundly grateful, to have this extremely competent and caring woman on my team!
Sherry
Verified ClientAugust 24, 2026
Emma was fantastic in walking me through the setup of the new system for the charity. My understanding is that this was the first time she had done so and she showed a level of persistence and “smarts” that was impressive. I could never had worked the process without her.
Bruce
Verified ClientAugust 24, 2026
It has been my pleasure to get to know and work with Raquel. With always a pleasant demeanor, she responds to my inquiries in a timely fashion and provides assistance that is most helpful. I appreciate how she anticipates that which might be useful and offers it before I even submit a request. For every meeting and for every task, she is prepared, efficient, and thorough. She is a gem and I feel lucky to have her as part of my financial planning team.
Debbie
Verified ClientOctober 2, 2025
This is our 16th year with Scott and the team. We consider ourselves fortunate to have a world-class team of professionals
just a phone call away. Raquel is the Gold Standard of client service; she goes beyond expectations and follows up
internally to make certain transactions get closed on a timely basis. We have recommended several friends to this firm and
are proud to do so. Every referral has thanked us for the opportunity to work with them.
David
Verified ClientMarch 15, 2026
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
5285589 3/2026
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
Joseph V. Portera
Private Banker
Jessica Fitzgerald, CIMA®, CRPS®, CPM®, QPFC
Executive Director, Institutional Consulting Director, Corporate Retirement Director, Family Wealth Director, Government Entity Specialist
Jennifer Michalski CFP®
Financial Planning Director, Vice President
Isaiah Massa
Planning Associate
Cole Combates
Wealth Solutions Associate - Cash Management
About Joseph V. Portera
Joseph Portera is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan.
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.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, Michigan. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
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.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, Michigan. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
NMLS#: 1260889
About Jennifer Michalski CFP®
Jennifer Michalski, CFP® is a financial planning director in the Greater Michigan market, where she partners with financial advisors to deliver customized planning strategies and strengthen client relationships. A CERTIFIED FINANCIAL PLANNER® with deep expertise in financial planning technology, she is committed to helping clients align their wealth with their values. Outside of work, Jennifer enjoys bird watching, playing pickleball, and learning Mandarin.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
About Isaiah Massa
Isaiah Massa is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Isaiah provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Baruch College and received the Financial Planning Specialist® designation from the College for Financial Planning or. Isaiah is originally from Pine Bush, New York and currently resides in New York City.
He earned his undergraduate degree from Baruch College and received the Financial Planning Specialist® designation from the College for Financial Planning or. Isaiah is originally from Pine Bush, New York and currently resides in New York City.
About Cole Combates
Cole Combates is a Wealth Solutions Associate & Cash Engagement Specialist at Morgan Stanley providing dedicated support to Financial Advisors and their teams. Operating as an extension of the FA/Team, Cole collaborates with clients to discover how best to engage and enroll in the services available at Morgan Stanley during their onboarding journey, specifically cash management. Cole provides guidance across a wide suite of cash management offerings and is able to help open cash management accounts, transfer funds, assist with credit cards and provide education on the breadth of what Morgan Stanley has to offer in the cash management space.
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
Morgan Stanley Wealth Management Financial Advisors can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley Wealth Management Financial Advisors can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
Wealth Management
From Our Team
Promoting Healthy Longevity
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
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A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
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- Estate Planning Strategies
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529 Plans: A Powerful Tool to Save for Education
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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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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Ready to start a conversation? Contact The Scott Lewis Group today.
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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
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.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
