Hank Peng, Financial Planning Associate
Wealth Management Associate
Phone:
(650) 426-2918(650) 426-2918
Tommy Liu, CFP®, CRPS®
Managing Director,
Financial Advisor,
Senior Portfolio Management Director,
CERTIFIED FINANCIAL PLANNER®,
Chartered Retirement Plans Specialist,
International Client Advisor,
Senior Investment Management Consultant,
Workplace Advisor – Equity Compensation
Direct:
(650) 316-6787(650) 316-6787
Toll-Free:
(877) 886-8808(877) 886-8808
My Mission Statement
We help you create comprehensive, multigenerational wealth management plans based on your goals, challenges, and the values that guide your life.
My Story and Services
Over the past 20 years, Tommy has earned a reputation of truly understanding his clients. He prides himself on the relationships that he has nurtured during his tenure in the financial services industry and strives to deliver an exceptional client experience. Tommy is responsible for the creation and management of wealth management strategies and business retirement plans for high net worth individuals and families, business owners, and corporate executives. He has extensive knowledge working with tech professionals in pre-liquidity planning leveraging corporation options and RSUs. He also helps clients with the offshore investing needs.
Prior to joining Morgan Stanley in 2011, Tommy was a Financial Advisor at Wells Fargo for nine years. He is a graduate of the University of Texas at Austin, with a Bachelor of Science in Business Administration. Currently, he works as an International Client Advisor for the firm, and he is also a CERTIFIED FINANCIAL PLANNER (CFP®) and a Chartered Retirement Plan Specialist (CRPS®), both considered to be among the most respected and recognized designations in the industry.
Tommy belongs to the Sunnyvale Rotary, Monte Jade Science, and Technology Association. He is fluent in Mandarin Chinese and lives in Redwood Shores with his wife and two children. In his free time, Tommy enjoys spending time with family and friends, coaching his kid’s sporting teams, and being an avid Bay Area sports fan.
Prior to joining Morgan Stanley in 2011, Tommy was a Financial Advisor at Wells Fargo for nine years. He is a graduate of the University of Texas at Austin, with a Bachelor of Science in Business Administration. Currently, he works as an International Client Advisor for the firm, and he is also a CERTIFIED FINANCIAL PLANNER (CFP®) and a Chartered Retirement Plan Specialist (CRPS®), both considered to be among the most respected and recognized designations in the industry.
Tommy belongs to the Sunnyvale Rotary, Monte Jade Science, and Technology Association. He is fluent in Mandarin Chinese and lives in Redwood Shores with his wife and two children. In his free time, Tommy enjoys spending time with family and friends, coaching his kid’s sporting teams, and being an avid Bay Area sports fan.
Securities Agent: VA, CA, IN, GA, AZ, NM, NV, NJ, WA, OR, NY, ID, HI, AL, PA, FL, CO, AK, NC, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1272801
NMLS#: 1272801
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
In working with successful individuals and families to help accumulate, protect and transfer wealth responsibly to the next generation, there is a process we go through with every client.
Discovery
We want to know everything about you and will listen to your entire situation to determine how we can best assist you. We want to know your goals, dreams, philanthropic desires and your family situation.
Planning
Together we will look at your ultimate goals and define each step that is needed to achieve them. We will guide you through considerations in financial planning, retirement planning, tax strategies, estate planning, liability management, income planning, and insurance needs, and how to best achieve your goals.
Solutions
Through ongoing consultation, each client will have solutions tailored to their unique situation. We will provide you with the most appropriate investments which include socially responsible portfolios, alternatives, insurance products, and other traditional investments.
Review
Through ongoing communication with you, your estate planning attorney and CPA, we will continually assess your financial and family needs and provide you with regular reviews and comprehensive reporting.
Digital Tools
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
Online Security Center
At Morgan Stanley, our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
Learn More About Our Online Security MeasuresResources & Research
At Morgan Stanley, we provide clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check Out The Latest EpisodeLocation
245 Lytton Avenue
Suite 200
Palo Alto, CA 94301
US
Direct:
(650) 316-6787(650) 316-6787
Toll-Free:
(877) 886-8808(877) 886-8808
Fax:
(650) 316-6776(650) 316-6776
650 Castro St
Suite 105
Mountain View, CA 94041
US
Direct:
(650) 316-6789(650) 316-6789
Meet My Team
David Ho
Registered Client Service Associate
Phone:
(650) 838-4261(650) 838-4261
About Hank Peng
Hank joined the Tommy's team in 2021 with a strong desire to protect families. He works as an Wealth Management Associate, where he supports senior financial advisors in facilitating wealth management strategies and comprehensive financial planning to protect clients/family’s financial well-being. The motivation behind this is that Hank’s family’s success during the expansion of China’s economic growth. However, due to a lack of financial planning and financial literacy, his family experienced a major financial hit during the economic crisis. It was a arduous experience and that required a lengthy period of recovery. He strives to continually improve and learn so that his clients have the comfort of knowing that they are in good hands.
Before joining Morgan Stanley, Hank worked as a Relationship Manager with Fidelity Investments Palo Alto branch, where he supported three different financial consultants with client management and services items. He obtained Series 7, Series 66, CA Life Insurance, and Notary Public licenses within 4 months of joining Fidelity, and was promoted within 6 months. Hank graduated from the Paul Merage School of Business at UC Irvine in 2018, with a dual degree in finance and marketing.
Growing up under the influence of his family businesses, Hank can easily connect to core family principles, along with business literacy, which has resulted in proven growth throughout his career. Hank was born and raised in the city of Chengdu in China. Due to his affinity for spicy food, Hank named his cat Little Mila, because it the name reminds him of a kind of pepper native to his hometown. Hank currently resides in San Mateo with his wife Renee. In his free time, he enjoys hiking and eating spicy hotpots with his family.
Before joining Morgan Stanley, Hank worked as a Relationship Manager with Fidelity Investments Palo Alto branch, where he supported three different financial consultants with client management and services items. He obtained Series 7, Series 66, CA Life Insurance, and Notary Public licenses within 4 months of joining Fidelity, and was promoted within 6 months. Hank graduated from the Paul Merage School of Business at UC Irvine in 2018, with a dual degree in finance and marketing.
Growing up under the influence of his family businesses, Hank can easily connect to core family principles, along with business literacy, which has resulted in proven growth throughout his career. Hank was born and raised in the city of Chengdu in China. Due to his affinity for spicy food, Hank named his cat Little Mila, because it the name reminds him of a kind of pepper native to his hometown. Hank currently resides in San Mateo with his wife Renee. In his free time, he enjoys hiking and eating spicy hotpots with his family.
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
Thomas Chi
Private Banker
About Thomas Chi
Thomas Chi 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.
Thomas began his career in financial services in 2007, and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, he was a Citigold Relationship Manager at Citibank.
Thomas is a graduate of California State University at East Bay, where he received a Bachelor of Science in Business Administration, with concentrations in Finance and Corporate Management. He lives in Redwood Shores, California. Outside of the office, Thomas enjoys mentoring, golfing, playing pickleball, traveling and engaging in board games 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.
Thomas began his career in financial services in 2007, and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, he was a Citigold Relationship Manager at Citibank.
Thomas is a graduate of California State University at East Bay, where he received a Bachelor of Science in Business Administration, with concentrations in Finance and Corporate Management. He lives in Redwood Shores, California. Outside of the office, Thomas enjoys mentoring, golfing, playing pickleball, traveling and engaging in board games with his family.
NMLS#: 418934
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Tommy Liu 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 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.
2When 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
