Emilio de Sousa
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(408) 947-2209(408) 947-2209
Skyline Wealth Management Group at Morgan Stanley
Our Mission Statement
The Skyline Wealth Management Group is honored to be ranked as one of Forbes Top Best-in-State Wealth Management Teams from 2023-2025 & Barrons Top PWM Teams for 2024
Our Story and Services
We are a multi-generational team bound by one mission: to elevate our clients’ financial lives through our deep experience, diverse insight , and unwavering values.
At the heart of our practice are high net worth individuals, families, endowments, and foundations. This select group is based throughout the country and abroad. They range from entrepreneurs, business owners, and senior executives of public companies, to individuals in retirement and multigenerational families navigating life’s most pivotal transitions.
We position ourselves as a financial round table in our clients’ lives –– leveraging the unique perspectives and targeted skillsets of our team, as well as the vast global resources of Morgan Stanley, one of the largest, most well-respected wealth management firms in the world. Together, we analyze our clients’ lives from every angle, and help provide comprehensive solutions that account for their financial goals, assets, liabilities, family dynamics, and legacy.
While ongoing financial planning, portfolio management, and tax alpha optimization are the pillars of our practice, our approach is centered on delivering an unparalleled client service experience. We seek to serve as a virtual family office, a trusted and ever-present guide to help address the full spectrum of their financial needs — from the smallest administrative tasks to the most complex financial decisions.
Forbes named us a Best-in-State Wealth Management Team in 2023 and 2024, Barron’s 2024 Top 250 Private Wealth Management Teams. But more than awards, we pride ourselves on the ways we enhance our clients’ lives, helping them achieve their objectives, secure their families, and step into their futures with clarity.
At the heart of our practice are high net worth individuals, families, endowments, and foundations. This select group is based throughout the country and abroad. They range from entrepreneurs, business owners, and senior executives of public companies, to individuals in retirement and multigenerational families navigating life’s most pivotal transitions.
We position ourselves as a financial round table in our clients’ lives –– leveraging the unique perspectives and targeted skillsets of our team, as well as the vast global resources of Morgan Stanley, one of the largest, most well-respected wealth management firms in the world. Together, we analyze our clients’ lives from every angle, and help provide comprehensive solutions that account for their financial goals, assets, liabilities, family dynamics, and legacy.
While ongoing financial planning, portfolio management, and tax alpha optimization are the pillars of our practice, our approach is centered on delivering an unparalleled client service experience. We seek to serve as a virtual family office, a trusted and ever-present guide to help address the full spectrum of their financial needs — from the smallest administrative tasks to the most complex financial decisions.
Forbes named us a Best-in-State Wealth Management Team in 2023 and 2024, Barron’s 2024 Top 250 Private Wealth Management Teams. But more than awards, we pride ourselves on the ways we enhance our clients’ lives, helping them achieve their objectives, secure their families, and step into their futures with clarity.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Sustainable InvestingFootnote3
- Estate Planning StrategiesFootnote4
- Professional Portfolio ManagementFootnote5
- 401(k) Rollovers
- Alternative InvestmentsFootnote6
- Business PlanningFootnote7
- Cash Management and Lending ProductsFootnote8
- Executive Financial ServicesFootnote9
- Life InsuranceFootnote10
- Long-term Care InsuranceFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
YOUR FAMILY LEGACY IS OUR LIFELONG COMMITMENT
Estate Planning
You have worked long and hard to achieve success and build wealth for you and your family. Now, you may be at a point where your greatest challenge is preserving wealth and building a plan for its transition to whoever you choose, any way you choose.
Philanthropic Planning
Your philanthropic mission is as unique as your vision of a better world. Determining your objectives, however, can be challenging when there are so many worthy causes with so many unmet needs and ways to give.
Charitable Giving
Donor Advised Funds help you maximize your charitable impact, with tax-efficient strategies that align your personal values with your financial goals.
Wealth Education
Financial Literacy is a form of empowerment, equipping you with the knowledge to make smart financial decisions during every stage of life. Our Financially Fit program aims to help you do just that. We also know that discussing family finances is especially important with adult children, no matter their age. It's not always easy, but starting the conversation is a key step in long-term wealth planning.
Signature Access
Private health advisory services, personal Insurance planning needs, and advisory services for single family offices. For a select clientele, Morgan Stanley Signature Access offers a broad range of exclusive services, from private aviation, personal security, art advisory, and household staffing.
Family Business Succession
We take pride in assisting clients through significant milestones. Some are personal, others professional, still others a mix of both. Our recent work with a business owner illustrates how strategic planning can help transform the sale of a business into enhanced financial security and a family legacy of excellence.
Asset Allocation
Our client came to us with a unique vision for the future, and our strategic planning gave them a distinctive strategy to help realize that vision in a risk-adjusted, tax-efficient manner. We did not just revamp their asset allocation strategy for the sake of it, we executed a thoughtful, purposeful process that helped enhance their financial security in a constantly evolving financial landscape.
A Legacy Built. A Legacy Secured.
Despite their wealth, our client shared the same concerns as any family: What would happen in the event of an unexpected event such as a health concern? When the time came, would their children be ready to manage their inheritance? What would the tax implications be? For the affluent, these questions are often highly complex. We worked with firm resources to help design a comprehensive estate strategy that seeks to help secure their family legacy.
Precision in Financial Planning
Our financial planning process does more than just sort out retirement figures and balance portfolios. See how we helped one client achieve a host of goals — from supporting family members, funding their children's education and home purchases, and fulfilling their own dream of owning a particular vacation property — plus one goal money can't buy: clarity.
An Executive Navigates Equity Compensation
Executives are confident decision-makers. For their companies, they provide clarity, solve problems, and shape the future. But when it comes to their personal finances, they face many unique challenges. We recently worked with one client to help them navigate the maze of their compensation package.
Location
225 W Santa Clara St
Suite 900
San Jose, CA 95113
US
Direct:
(408) 947-2213(408) 947-2213
Fax:
(408) 947-2208(408) 947-2208
Meet Skyline Wealth Management Group
Allan K Walsworth
Managing Director, Wealth Management, Financial Advisor, Family Wealth Director
Phone:
(408) 947-2225(408) 947-2225
Jason Moyers
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor, Portfolio Management Director, Insurance Planning Director
Phone:
(408) 947-2210(408) 947-2210
Aaron Jang
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(408) 947-2250(408) 947-2250
Melissa Barney
First Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(408) 947-2212(408) 947-2212
Phillip Moehrke, CFA, CFP®, CAIA
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(408) 947-3706(408) 947-3706
Kim Grubisich
Financial Advisor, Financial Planning Specialist
Phone:
(408) 947-2213(408) 947-2213
Mike Hoang
Assistant Vice President, Wealth Management, Group Director
Mary Anne Burton
Portfolio Associate
Charley LaRagione
Wealth Management Analyst
Alyssa Chi
Registered Client Service Associate
Renvir Gellon
Registered Client Service Associate
Cheryl Wong
Senior Registered Client Service Associate
Sophia Nikravesh
Client Service Associate
About Emilio de Sousa
Emilio de Sousa is a Managing Director, Wealth Management, Financial Advisor, and Senior Portfolio Management Director with The Skyline Wealth Management Group at Morgan Stanley. For over 30 years, he has been committed to guiding executives, business owners, and families through the many complexities of their financial life.
Emilio began his career as a financial advisor at Wells Fargo in 1995. In his tenure at the Firm, he established and grew a team of advisors with the breadth of experience and insight to provide clients with a truly comprehensive approach to wealth management. In 2010, he brought the team over to Morgan Stanley, seeking to enhance his offering with the resources of a global leader in financial services. In 2017, Emilio and Allan Walsworth merged their respective teams and they now oversee a team of fourteen financial professionals all working toward one mission: to provide seasoned guidance on every aspect of clients' financial lives.
As a Senior Portfolio Management Director, Emilio’s emphasis is on the capital markets and asset management -- with a special focus on aligning client portfolios with their customized financial plans. While his approach centers on his clients’ unique goals and challenges, his rigorous analysis of market conditions helps shield their wealth from volatile economic environments. That said, Emilio believes that successful wealth management extends far beyond selecting the right investment opportunities. He places a strong emphasis on comprehensive financial planning that encompasses short-term financial needs, medium-term goals, and long-term aspirations. He is committed to being an ever-present resource in his clients’ lives — a trusted guide to help them navigate their financial futures for decades, and even generations down the line.
Emilio lives in San Jose, was married for almost 22 years (widowed in 2021), has four children, three dogs and two cats. Outside the office, Emilio enjoys spending time with his kids, working out, playing basketball and being engaged in his local church. He graduated from San Jose State University with a concentration in Business Marketing and Economics.
Emilio began his career as a financial advisor at Wells Fargo in 1995. In his tenure at the Firm, he established and grew a team of advisors with the breadth of experience and insight to provide clients with a truly comprehensive approach to wealth management. In 2010, he brought the team over to Morgan Stanley, seeking to enhance his offering with the resources of a global leader in financial services. In 2017, Emilio and Allan Walsworth merged their respective teams and they now oversee a team of fourteen financial professionals all working toward one mission: to provide seasoned guidance on every aspect of clients' financial lives.
As a Senior Portfolio Management Director, Emilio’s emphasis is on the capital markets and asset management -- with a special focus on aligning client portfolios with their customized financial plans. While his approach centers on his clients’ unique goals and challenges, his rigorous analysis of market conditions helps shield their wealth from volatile economic environments. That said, Emilio believes that successful wealth management extends far beyond selecting the right investment opportunities. He places a strong emphasis on comprehensive financial planning that encompasses short-term financial needs, medium-term goals, and long-term aspirations. He is committed to being an ever-present resource in his clients’ lives — a trusted guide to help them navigate their financial futures for decades, and even generations down the line.
Emilio lives in San Jose, was married for almost 22 years (widowed in 2021), has four children, three dogs and two cats. Outside the office, Emilio enjoys spending time with his kids, working out, playing basketball and being engaged in his local church. He graduated from San Jose State University with a concentration in Business Marketing and Economics.
Securities Agent: KS, WA, NV, NM, IA, FL, AZ, WI, IN, CO, CA, VA, SD, NJ, MI, KY, DE, MT, MN, TX, PA, MD, MA, LA, GA, OR, UT, TN, IL, HI, CT, AR, DC, SC, NC, ID, OH, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1255594
NMLS#: 1255594
About Allan K Walsworth
Allan K Walsworth is a Managing Director, Wealth Management with The Skyline Wealth Management Group at Morgan Stanley. With over three decades of experience, Allan has dedicated his entire career to guiding affluent individuals and families through the many complexities of their wealth. These clients are typically corporate executives, founders, early technology employees, and private investors.
After graduating from Loyola Marymount University, Allan embarked on his financial career in 1992 as a financial consultant at Merrill Lynch. In 1996, he transitioned to Morgan Stanley in order to offer his clients a more robust wealth management service. He began building a team of seasoned financial professionals, each bringing unique expertise but sharing a common mission: to help clients navigate the intricacies of their financial lives with confidence to achieve their long-term financial goals. In 2017, Allan and Emilio de Sousa merged their respective teams and they now oversee a team of fourteen financial professionals all working toward one mission: to provide seasoned guidance on every aspect of clients' financial lives.
Over the years, Allan's commitment to excellence has been recognized with prestigious industry accolades, including the Forbes Best in State Wealth Advisor from 2019 to 2024. Instrumental in shaping the team's core values, investment philosophy, and processes, Allan also played a pivotal role in the team’s recognition by Forbes in its inaugural Best in State Top Wealth Management Teams for 2023, 2024 & 2025, as well, Barron's Top 250 Private Wealth Management Teams for 2024.
Leveraging the robust resources of his team and the broader firm, Allan offers clients sophisticated portfolio management and advanced asset allocation strategies. He also holds the elite Family Wealth Director designation (held by only 2% of Morgan Stanley advisors ) and places a strong emphasis on cultivating long-term relationships with his clients, ensuring that their financial journey aligns seamlessly with their individual aspirations and family legacies.
Outside the office, Allan and his wife Paisley have two grown children and live in Los Gatos, CA. A former two-sport NCAA Division 1 athlete in water polo and rowing, he still very much enjoys competing and staying active.
*Source: Barron's.com (Awarded May 2024) Data compiled by Barron's based on time period from Jan 2023-Dec 2023.
*Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24.
After graduating from Loyola Marymount University, Allan embarked on his financial career in 1992 as a financial consultant at Merrill Lynch. In 1996, he transitioned to Morgan Stanley in order to offer his clients a more robust wealth management service. He began building a team of seasoned financial professionals, each bringing unique expertise but sharing a common mission: to help clients navigate the intricacies of their financial lives with confidence to achieve their long-term financial goals. In 2017, Allan and Emilio de Sousa merged their respective teams and they now oversee a team of fourteen financial professionals all working toward one mission: to provide seasoned guidance on every aspect of clients' financial lives.
Over the years, Allan's commitment to excellence has been recognized with prestigious industry accolades, including the Forbes Best in State Wealth Advisor from 2019 to 2024. Instrumental in shaping the team's core values, investment philosophy, and processes, Allan also played a pivotal role in the team’s recognition by Forbes in its inaugural Best in State Top Wealth Management Teams for 2023, 2024 & 2025, as well, Barron's Top 250 Private Wealth Management Teams for 2024.
Leveraging the robust resources of his team and the broader firm, Allan offers clients sophisticated portfolio management and advanced asset allocation strategies. He also holds the elite Family Wealth Director designation (held by only 2% of Morgan Stanley advisors ) and places a strong emphasis on cultivating long-term relationships with his clients, ensuring that their financial journey aligns seamlessly with their individual aspirations and family legacies.
Outside the office, Allan and his wife Paisley have two grown children and live in Los Gatos, CA. A former two-sport NCAA Division 1 athlete in water polo and rowing, he still very much enjoys competing and staying active.
*Source: Barron's.com (Awarded May 2024) Data compiled by Barron's based on time period from Jan 2023-Dec 2023.
*Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24.
Securities Agent: HI, TN, SC, OH, NY, WI, SD, NJ, MA, IN, GA, DC, CA, UT, NM, NC, KS, IA, MT, MD, KY, ID, FL, NV, CO, VA, PA, DE, CT, WA, OR, LA, AZ, AR, TX, MI, IL, MN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282555
NMLS#: 1282555
About Jason Moyers
Jason Moyers is a Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor, Portfolio Management Director, and Insurance Planning Director with The Skyline Wealth Management Group at Morgan Stanley. With a background in banking, insurance and wealth management, Jason helps affluent clients find comprehensive solutions to address their unique needs, protect their families, and achieve their most important life goals.
Jason began his career in the banking and insurance fields before entering the wealth management industry. Seeking to make a meaningful impact on people's lives, he became a financial advisor with Wells Fargo Investments in 2002. Jason came to Morgan Stanley in 2010 and partnered with Emilio de Sousa as a member of The Skyline Wealth Management Group. Always looking to enhance his client service offering, he earned the prestigious designation of Family Wealth Advisor.
For executives, business owners, and affluent families, Jason provides comprehensive financial guidance with a focus in coordinating family dynamics, insurance planning, and legacy planning. Over the years, he has helped clients navigate countless challenges — volatile markets, the passing of a loved one, health emergencies, divorce and much more. Jason prides himself on being a trusted, unwavering, and compassionate support system for his clients, helping to simplify their lives and secure their wealth. Over the years, that commitment has led him to develop meaningful relationships spanning two and even three generations. At the end of the day, he is a steward of legacies, an advocate for families, and a guiding force in the ever-changing landscape of wealth management.
Outside the office, Jason resides in San Jose, CA. The proud father of three sons, he devotes much of his free time to his family.
Jason began his career in the banking and insurance fields before entering the wealth management industry. Seeking to make a meaningful impact on people's lives, he became a financial advisor with Wells Fargo Investments in 2002. Jason came to Morgan Stanley in 2010 and partnered with Emilio de Sousa as a member of The Skyline Wealth Management Group. Always looking to enhance his client service offering, he earned the prestigious designation of Family Wealth Advisor.
For executives, business owners, and affluent families, Jason provides comprehensive financial guidance with a focus in coordinating family dynamics, insurance planning, and legacy planning. Over the years, he has helped clients navigate countless challenges — volatile markets, the passing of a loved one, health emergencies, divorce and much more. Jason prides himself on being a trusted, unwavering, and compassionate support system for his clients, helping to simplify their lives and secure their wealth. Over the years, that commitment has led him to develop meaningful relationships spanning two and even three generations. At the end of the day, he is a steward of legacies, an advocate for families, and a guiding force in the ever-changing landscape of wealth management.
Outside the office, Jason resides in San Jose, CA. The proud father of three sons, he devotes much of his free time to his family.
Securities Agent: MT, NY, MI, IA, UT, TX, MD, ID, CT, SD, MA, CA, AZ, OR, MN, KY, GA, NM, NJ, NC, KS, CO, OH, HI, PA, FL, WA, TN, SC, LA, DE, WI, NV, IN, IL, DC, AR, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1278936
NMLS#: 1278936
About Aaron Jang
Aaron Jang is a Senior Vice President, Wealth Management, Financial Advisor, and Senior Portfolio Manager with The Skyline Wealth Management Group at Morgan Stanley. For two decades, he has been dedicated to guiding families toward their financial goals while helping to protect their future legacy.
A graduate of Santa Clara University with a BS in Marketing. Aaron joined the Skyline Wealth Management Group in 2011, complementing his own experience with the perspectives and skillsets of an elite wealth management team. Since then, Aaron has helped a wide range of families address a full spectrum of objectives and needs. He has guided them through various challenging market environments, and extended a hand in life’s difficult moments. In his work with clients today, he hardly ever encounters an obstacle that he has not already helped another client overcome.
Aaron’s primary focus revolves around delivering “big picture” planning solutions to help families strategize their long-term futures. While leveraging his own experience, Aaron also believes in undertaking a thorough discovery process. By gaining a comprehensive understanding of his clients individual needs, aspirations, family dynamics, and concerns, he is able to design financial plans as unique as they are — which, ultimately, will help them reach the future they envision. Along the way, Aaron is committed to using his creativity, meticulous attention to detail, and exceptional listening skills to help evolve those plans in tandem with clients’ changing needs, and providing unwavering support at every step of their financial journeys.
Outside the office, Aaron resides in San Jose, CA, with his wife and two children. In his free time, he enjoys traveling with his family and staying active outdoors with golf and snowboarding. Passionate about music, he also plays a mean cello and is on the lookout to join a band.
A graduate of Santa Clara University with a BS in Marketing. Aaron joined the Skyline Wealth Management Group in 2011, complementing his own experience with the perspectives and skillsets of an elite wealth management team. Since then, Aaron has helped a wide range of families address a full spectrum of objectives and needs. He has guided them through various challenging market environments, and extended a hand in life’s difficult moments. In his work with clients today, he hardly ever encounters an obstacle that he has not already helped another client overcome.
Aaron’s primary focus revolves around delivering “big picture” planning solutions to help families strategize their long-term futures. While leveraging his own experience, Aaron also believes in undertaking a thorough discovery process. By gaining a comprehensive understanding of his clients individual needs, aspirations, family dynamics, and concerns, he is able to design financial plans as unique as they are — which, ultimately, will help them reach the future they envision. Along the way, Aaron is committed to using his creativity, meticulous attention to detail, and exceptional listening skills to help evolve those plans in tandem with clients’ changing needs, and providing unwavering support at every step of their financial journeys.
Outside the office, Aaron resides in San Jose, CA, with his wife and two children. In his free time, he enjoys traveling with his family and staying active outdoors with golf and snowboarding. Passionate about music, he also plays a mean cello and is on the lookout to join a band.
Securities Agent: NC, IN, UT, SD, MI, LA, FL, AZ, WI, VA, SC, NV, NJ, DC, CT, CO, TX, WA, OH, NM, KY, IL, HI, NY, MT, MA, KS, ID, TN, MN, IA, GA, AR, MD, DE, CA, PA, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 1278827
NMLS#: 1278827
About Melissa Barney
Melissa has been with the Skyline Wealth Management Group since 2005. She has the enviable responsibility of gathering all of the information from the families we serve, and then constructing the comprehensive financial plan. Her gifts range from her impressive communication and listening skills, to her ability to compile seemingly unrelated data and information into a plan that establishes a clear pathway for meeting the family’s goals. She works closely with the other advisors on the team to make sure clients receive the information they need to help make the important decisions in life.
Prior to joining the team, Melissa, thinking she might want to practice law, went to work for a law firm while taking courses at San Jose State. Upon graduation with a degree in Finance, she decided instead to leverage what she learned with respect to estates and trusts and shifted her focus to financial services where she could fully leverage her skills. Meshing financial knowledge with estate planning knowledge.
Outside the office, Melissa resides in South San Jose, CA, with her son Luke and her beloved dog, LeLu. An adventurer at heart, she enjoys sharing her love of exploration with her family, whether along the coast of California or skiing in Lake Tahoe. She is often cheering on Luke at his sporting events that right now include football, baseball, soccer and ice hockey. A former athlete herself, Melissa still plays volleyball and used to compete in athletic events including the SF Nike half marathon, Tough Mudder races at Lake Tahoe and Mt. Diablo, and the Across the Bay 12k.
Prior to joining the team, Melissa, thinking she might want to practice law, went to work for a law firm while taking courses at San Jose State. Upon graduation with a degree in Finance, she decided instead to leverage what she learned with respect to estates and trusts and shifted her focus to financial services where she could fully leverage her skills. Meshing financial knowledge with estate planning knowledge.
Outside the office, Melissa resides in South San Jose, CA, with her son Luke and her beloved dog, LeLu. An adventurer at heart, she enjoys sharing her love of exploration with her family, whether along the coast of California or skiing in Lake Tahoe. She is often cheering on Luke at his sporting events that right now include football, baseball, soccer and ice hockey. A former athlete herself, Melissa still plays volleyball and used to compete in athletic events including the SF Nike half marathon, Tough Mudder races at Lake Tahoe and Mt. Diablo, and the Across the Bay 12k.
Securities Agent: OR, CT, VA, UT, SD, ID, WA, NV, HI, DC, OH, NJ, KY, IA, DE, KS, IN, CO, PA, MN, MD, LA, AZ, IL, TX, SC, NM, MT, MA, FL, TN, MI, GA, CA, AR, WI, NY, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1282861
CA Insurance License #: 0G84065
NMLS#: 1282861
CA Insurance License #: 0G84065
About Phillip Moehrke
Phillip Moehrke is a Senior Vice President, Wealth Management and Financial Advisor with The Skyline Wealth Management Group at Morgan Stanley. With leading credentials and over a decade of experience, he helps high net worth clients identify their multifaceted financial needs, design plans for their long-term goals, and simplify their everyday financial lives.
Graduating from the University of California, Riverside with a degree in Economics, Phillip embarked on his career journey at Morgan Stanley as an intern in 2014. Over the years, he has dedicated himself to continuous learning, undertaking rigorous coursework to earn some of the industry’s most prestigious designations. As a Certified Financial Planner (CFP®), he brings a modern and comprehensive approach to all aspects of financial planning, including retirement, estate, tax, and insurance planning. As a Chartered Financial Analyst (CFA), he helps provide clients with the analytical skillset they need to build goal-oriented portfolios, while his Chartered Alternative Investment Analyst (CAIA) designation allows him to help customize those portfolios with a range of non-market correlated investment vehicles.
With the team, Phillip's primary focus lies in meticulously designing, implementing, and evaluating tailored financial plans for affluent clients and their families. His approach revolves around understanding each client's specific financial landscape and personal aspirations, which he then translates into a coherent, actionable strategy that can evolve with his clients over time. The other foundation of his approach is education. Phillip understands that not all clients are financial experts; while some will be comfortable speaking in financial jargon, others will not. That’s why he devotes the time needed to help clients understand their financial strategies in straightforward terms. This commitment to education also helps ensure that his clients can make well-informed, confident decisions.
Outside the office, Phillip resides in San Jose, CA, with his wife, Yae and two children. In his free time, he stays active with cardio-kickboxing, weightlifting, and tae-kwon-do. He also enjoys traveling and exploring the great outdoors with his family.
Graduating from the University of California, Riverside with a degree in Economics, Phillip embarked on his career journey at Morgan Stanley as an intern in 2014. Over the years, he has dedicated himself to continuous learning, undertaking rigorous coursework to earn some of the industry’s most prestigious designations. As a Certified Financial Planner (CFP®), he brings a modern and comprehensive approach to all aspects of financial planning, including retirement, estate, tax, and insurance planning. As a Chartered Financial Analyst (CFA), he helps provide clients with the analytical skillset they need to build goal-oriented portfolios, while his Chartered Alternative Investment Analyst (CAIA) designation allows him to help customize those portfolios with a range of non-market correlated investment vehicles.
With the team, Phillip's primary focus lies in meticulously designing, implementing, and evaluating tailored financial plans for affluent clients and their families. His approach revolves around understanding each client's specific financial landscape and personal aspirations, which he then translates into a coherent, actionable strategy that can evolve with his clients over time. The other foundation of his approach is education. Phillip understands that not all clients are financial experts; while some will be comfortable speaking in financial jargon, others will not. That’s why he devotes the time needed to help clients understand their financial strategies in straightforward terms. This commitment to education also helps ensure that his clients can make well-informed, confident decisions.
Outside the office, Phillip resides in San Jose, CA, with his wife, Yae and two children. In his free time, he stays active with cardio-kickboxing, weightlifting, and tae-kwon-do. He also enjoys traveling and exploring the great outdoors with his family.
Securities Agent: KS, MN, VA, DE, NC, SD, MT, PA, MD, LA, ID, WA, TX, TN, OR, NJ, MA, GA, NY, IL, CA, UT, OH, CT, AR, WI, SC, IN, IA, FL, DC, NV, NM, MI, HI, CO, AZ, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1622259
NMLS#: 1622259
About Kim Grubisich
Securities Agent: TN, TX, UT, VA, VT, WA, WI, WY, 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, NE, NH, NJ, NM, NV, NY, OH, OR, PA, SC, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 2357091
CA Insurance License #: 4169846
NMLS#: 2357091
CA Insurance License #: 4169846
About Mike Hoang
Mike is an Assistant Vice President, Wealth Management, and Group Director with The Skyline Wealth Management Group at Morgan Stanley. With over 18 years of financial experience, he helps develop and execute solutions across a wide array of team and client needs.
Mike began his wealth management career in 2006 as a Personal Banker with Wells Fargo. Progressing in his career, he became a Registered Brokerage Associate at the Firm, gaining valuable insights and experience in the investment services industry. In 2010, Mike joined The Skyline Wealth Management Group at Morgan Stanley. Since then, he has continued to build his skillset, transitioning from a Wealth Management Analyst to his current role as Group Director, which he has held since 2019.
A self-described “jack of all trades,” Mike maintains a range of responsibilities with the team. He provides high-level team oversight, ideates growth strategy, and implements the team's business plan. He also helps maintain and enhance the team’s commitment to client service, managing the development and execution of strategies to address client concerns and navigate operational issues seamlessly. Over the years, he has also served as a primary client contact, handling an array of general client inquiries across a wide spectrum of financial topics. Mike prides himself on finding effective solutions to clients’ most complex issues.
Outside the office, Mike resides in San Jose, CA, with his son, Alex. Dedicated to his community, Mike leads several adult recreational volleyball leagues aimed at raising funds for local youth sports programs, including his alma mater, Adrian Wilcox High School. In his free time, he enjoys participating in adult sports leagues and local tournaments for football, basketball, and volleyball.
Mike began his wealth management career in 2006 as a Personal Banker with Wells Fargo. Progressing in his career, he became a Registered Brokerage Associate at the Firm, gaining valuable insights and experience in the investment services industry. In 2010, Mike joined The Skyline Wealth Management Group at Morgan Stanley. Since then, he has continued to build his skillset, transitioning from a Wealth Management Analyst to his current role as Group Director, which he has held since 2019.
A self-described “jack of all trades,” Mike maintains a range of responsibilities with the team. He provides high-level team oversight, ideates growth strategy, and implements the team's business plan. He also helps maintain and enhance the team’s commitment to client service, managing the development and execution of strategies to address client concerns and navigate operational issues seamlessly. Over the years, he has also served as a primary client contact, handling an array of general client inquiries across a wide spectrum of financial topics. Mike prides himself on finding effective solutions to clients’ most complex issues.
Outside the office, Mike resides in San Jose, CA, with his son, Alex. Dedicated to his community, Mike leads several adult recreational volleyball leagues aimed at raising funds for local youth sports programs, including his alma mater, Adrian Wilcox High School. In his free time, he enjoys participating in adult sports leagues and local tournaments for football, basketball, and volleyball.
CA Insurance License #: 0G52077
About Mary Anne Burton
Mary Anne Burton is a Portfolio Associate with The Skyline Wealth Management Group at Morgan Stanley. For three decades, she has been a passionate problem solver for affluent individuals and families, leveraging her wealth of experience and knowledge to help enhance and simplify their financial lives.
With a bachelor’s degree from the University of California at Davis, Mary Anne went on to earn her Master of Business Administration degree from Santa Clara University. She first entered the financial services sector in 1993, and came on board with Morgan Stanley’s predecessor, Smith Barney, in 2000. She has remained with the Firm ever since, joining the Skyline Wealth Management Group in 2015.
With the team, Mary Anne’s commitment is focused on providing prompt attention to client inquiries and delivering specialized account management solutions. As a Portfolio Associate, she plays a pivotal role in managing and maintaining investment portfolios, helping to ensure their alignment with client objectives, regulatory shifts, and market trends. In everything she does, Mary Anne believes in taking a diligent, proactive approach to help maintain efficiency and accuracy — and ultimately, help provide a seamless client experience.
Outside the office, Mary Anne resides in San Jose, CA with her husband and son, and her two dogs, Yogi and Crissi. She enjoys cooking, gardening, taking the dogs to the beach, and spending time with her family.
With a bachelor’s degree from the University of California at Davis, Mary Anne went on to earn her Master of Business Administration degree from Santa Clara University. She first entered the financial services sector in 1993, and came on board with Morgan Stanley’s predecessor, Smith Barney, in 2000. She has remained with the Firm ever since, joining the Skyline Wealth Management Group in 2015.
With the team, Mary Anne’s commitment is focused on providing prompt attention to client inquiries and delivering specialized account management solutions. As a Portfolio Associate, she plays a pivotal role in managing and maintaining investment portfolios, helping to ensure their alignment with client objectives, regulatory shifts, and market trends. In everything she does, Mary Anne believes in taking a diligent, proactive approach to help maintain efficiency and accuracy — and ultimately, help provide a seamless client experience.
Outside the office, Mary Anne resides in San Jose, CA with her husband and son, and her two dogs, Yogi and Crissi. She enjoys cooking, gardening, taking the dogs to the beach, and spending time with her family.
About Charley LaRagione
Charley LaRagione is a Wealth Management Analyst with The Skyline Wealth Management Group at Morgan Stanley. Through elevated service and thoughtful guidance, he strives to be a go-to guide for affluent individuals and families for many years to come.
A graduate of San Diego State University with a bachelor’s degree in Finance, Charley entered the financial industry in 2021, joining The Skyline Wealth Management Group at Morgan Stanley upon graduation. Since then, he has focused on developing his skillset, broadening his knowledge-base, and expanding his overall expertise within the financial services industry from both an operational and strategic standpoint. His aim is to embody the kind of comprehensive approach that has defined the team since its inception.
Charley’s primary focus is on elevating the client experience through personalized service. With hard work, care, and attention to detail as his core values, he serves as a first point of contact for clients’ everyday questions and concerns. Charley prides himself on delivering prompt, well-executed solutions, so that the team’s clients can enjoy a seamless financial life. Each and every day, he strives to go above and beyond to help foster the kind of deep relationships that extend decades and even generations into the future.
Outside the office, Charley lives in Los Gatos, California, where he has resided throughout most his lifetime. An alumnus of Los Gatos High School and former Captain of the Wildcat Football Team, he continues to remain active both in his local community and as an athlete. In his free time, he enjoys golf, basketball, and fitness training. A self-proclaimed health food aficionado, Charley also enjoys spending time exploring and tasting new recipes with his girlfriend, Arianna.
A graduate of San Diego State University with a bachelor’s degree in Finance, Charley entered the financial industry in 2021, joining The Skyline Wealth Management Group at Morgan Stanley upon graduation. Since then, he has focused on developing his skillset, broadening his knowledge-base, and expanding his overall expertise within the financial services industry from both an operational and strategic standpoint. His aim is to embody the kind of comprehensive approach that has defined the team since its inception.
Charley’s primary focus is on elevating the client experience through personalized service. With hard work, care, and attention to detail as his core values, he serves as a first point of contact for clients’ everyday questions and concerns. Charley prides himself on delivering prompt, well-executed solutions, so that the team’s clients can enjoy a seamless financial life. Each and every day, he strives to go above and beyond to help foster the kind of deep relationships that extend decades and even generations into the future.
Outside the office, Charley lives in Los Gatos, California, where he has resided throughout most his lifetime. An alumnus of Los Gatos High School and former Captain of the Wildcat Football Team, he continues to remain active both in his local community and as an athlete. In his free time, he enjoys golf, basketball, and fitness training. A self-proclaimed health food aficionado, Charley also enjoys spending time exploring and tasting new recipes with his girlfriend, Arianna.
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About Alyssa Chi
Alyssa Chi is a Registered Client Service Associate with The Skyline Wealth Management Group at Morgan Stanley. A team player with a passion for helping others, Alyssa provides assistance and support for both the team’s financial advisors and their clients.
While working on her Business Administration degree from San Jose State University, Alyssa entered the wealth management industry as an intern with Morgan Stanley. Upon graduation, she joined the firm full-time joining the Skyline Wealth Management Group.
With the team, Alyssa serves as a dynamic resource with the broad skillset and solutions-oriented approach to help deliver an enhanced client experience. While her responsibilities encompass many different facets of wealth management, she works with one goal in mind: to help the team build and maintain meaningful relationships with each and every client. With a long career still ahead of her, she looks forward to growing alongside her clients and their families, and helping them achieve their goals for generations to come.
Outside office, Alyssa lives in San Jose, CA. In her free time, she enjoys traveling and exploring new places with friends and catching up with family. Passionate about her local culinary community, she loves trying out new restaurants and cuisines in town and savoring the many flavors the Bay has to offer.
While working on her Business Administration degree from San Jose State University, Alyssa entered the wealth management industry as an intern with Morgan Stanley. Upon graduation, she joined the firm full-time joining the Skyline Wealth Management Group.
With the team, Alyssa serves as a dynamic resource with the broad skillset and solutions-oriented approach to help deliver an enhanced client experience. While her responsibilities encompass many different facets of wealth management, she works with one goal in mind: to help the team build and maintain meaningful relationships with each and every client. With a long career still ahead of her, she looks forward to growing alongside her clients and their families, and helping them achieve their goals for generations to come.
Outside office, Alyssa lives in San Jose, CA. In her free time, she enjoys traveling and exploring new places with friends and catching up with family. Passionate about her local culinary community, she loves trying out new restaurants and cuisines in town and savoring the many flavors the Bay has to offer.
About Renvir Gellon
Renvir Gellon is a Registered Client Service Associate with The Skyline Wealth Management Group at Morgan Stanley. Focused on client engagement and satisfaction, Renvir is set on being a resourceful point of contact to ensure that client’s goals are met.
After graduating from the University of Oregon with a Bachelors degree in Economics, Renvir found a passion for financial services, joining the Skyline Wealth Management group at Morgan Stanley, as the newest member in 2024
With a positive and persistent attitude, Renvir aims to provide exceptional client service by providing quick assistance to a variety of requests. Having an analytical approach, he is committed to solving issues proactively to ensure efficient results. Additionally, active communication and accessibility are principles that he holds in high regard and that he applies every day in his role. As a team player, Renvir is engaged in building client relationships with the goal of helping them secure a great financial future.
Outside the office, Renvir lives in San Jose. With a knack for exploring new places, he enjoys traveling and hiking. Having an early interest in sports, Renvir also takes interest in playing and watching basketball, as well as attending as many events as possible in person.
After graduating from the University of Oregon with a Bachelors degree in Economics, Renvir found a passion for financial services, joining the Skyline Wealth Management group at Morgan Stanley, as the newest member in 2024
With a positive and persistent attitude, Renvir aims to provide exceptional client service by providing quick assistance to a variety of requests. Having an analytical approach, he is committed to solving issues proactively to ensure efficient results. Additionally, active communication and accessibility are principles that he holds in high regard and that he applies every day in his role. As a team player, Renvir is engaged in building client relationships with the goal of helping them secure a great financial future.
Outside the office, Renvir lives in San Jose. With a knack for exploring new places, he enjoys traveling and hiking. Having an early interest in sports, Renvir also takes interest in playing and watching basketball, as well as attending as many events as possible in person.
About Cheryl Wong
Cheryl joined The Skyline Wealth Management Group in December 2024 as a Senior Registered Client Service Associate with over 2 decades of financial services experience. Prior to joining the team she was supporting a team at our Morgan Stanley Los Gatos office. She is a graduate from the University of San Francisco with a Bachelor’s degree in Finance, holds certificates in Personal Financial Planning from UC Santa Cruz and Strategic Leadership from Stanford’s Graduate School of Business. A Cupertino resident, she is married and the proud mom to her son, daughter and toy poodle. In her spare time, she enjoys volunteering at her children’s sporting events and various non profits committed to children’s issues and workforce diversity
About Sophia Nikravesh
Sophia Nikravesh is a Client Service Associate with Morgan Stanley. A dedicated professional with a passion for supporting clients, Sophia provides comprehensive assistance to both financial advisors and the individuals and families they serve.
While earning her MBA from William & Mary and her BS in Human Biology from UC Santa Cruz, Sophia developed a strong foundation in strategic thinking, market research, and client service. Before joining Morgan Stanley, she worked in marketing, healthcare, and real estate. Her experience has given her a solutions-oriented mindset and a deep appreciation for building trusted relationships.
At Morgan Stanley, Sophia is committed to delivering an exceptional client experience, helping clients navigate their financial journeys with confidence and care. Her approach centers on understanding each client’s unique goals and working collaboratively to help them achieve long-term success. Looking ahead, she is excited to grow alongside her clients and continue making a positive impact on their lives.
Outside the office, Sophia is a Bay Area native who enjoys traveling, visiting museums, and supporting the arts through live performances. She also loves spending time with family and friends and is fluent in both English and Spanish.
While earning her MBA from William & Mary and her BS in Human Biology from UC Santa Cruz, Sophia developed a strong foundation in strategic thinking, market research, and client service. Before joining Morgan Stanley, she worked in marketing, healthcare, and real estate. Her experience has given her a solutions-oriented mindset and a deep appreciation for building trusted relationships.
At Morgan Stanley, Sophia is committed to delivering an exceptional client experience, helping clients navigate their financial journeys with confidence and care. Her approach centers on understanding each client’s unique goals and working collaboratively to help them achieve long-term success. Looking ahead, she is excited to grow alongside her clients and continue making a positive impact on their lives.
Outside the office, Sophia is a Bay Area native who enjoys traveling, visiting museums, and supporting the arts through live performances. She also loves spending time with family and friends and is fluent in both English and Spanish.
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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
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 the First Republic Bank and a Banking Center Manager at Bank of America.
Lina is a graduate of the 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 the First Republic Bank and a Banking Center Manager at Bank of America.
Lina is a graduate of the 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.
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Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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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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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Rational Investing in an Age of Uncertainty
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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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- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Skyline Wealth Management Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley’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.
6Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
7Morgan 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.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley’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.
6Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
7Morgan 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.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
