Teri Twarkins Kelley, CFP®, CIMA®, CRPS®
Managing Director, Wealth Management, Financial Advisor, Family Wealth Director, Chartered Advisor in Philanthropy
Phone:
(480) 922-7826(480) 922-7826
Viewpoint Wealth Management Group at Morgan Stanley
Teri Twarkins Kelley, CFP®, CIMA®, CRPS®Matthew Gimmelli, CFA®Rupa Jack, CPWA®, CEPA®, CWS®, CIMA®Megan Osbrink, CFP®, QPFC, CRD®Sean Desmarais, CFP®Dylan Cooper Hoffman, CFP®Monika Kotowski, CFP®Scott Ladrigan
Direct:
(480) 922-7826(480) 922-7826
Toll-Free:
(800) 347-5107(800) 347-5107
Industry Award WinnerOur Mission Statement
We work with successful families and C-Suite executives to simplify the complex, mitigate tax burdens, and to provide a clear path forward throughout their financial lives.
Our Story
Significant wealth opens the door to unique opportunities, but also generates complex challenges. The Viewpoint Wealth Management Group is highly experienced in working with successful families, individuals, C-Suite executives, and retirees to maximum reward and minimize risk. We're here to help you build wealth, protect assets, mitigate tax burdens, and achieve as many of your life's goals as possible.
What sets us apart.
Our clients deserve a higher level of service and we're driven to exceed their expectations. We are positioned to support their short-term needs and long-term goals because of our people, our practice, and our process. That's why we continually seek to educate ourselves for the benefit of our clients. Above all, we believe in doing the right thing.
Comprehensive corporate service solutions.
We're also entrusted by corporations to provide first-class retirement programs and executive planning services. From stock plan reinvestment to corporate cash management—our goal is to create programs that attract and retain the right talent.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Wealth of Opportunities for Your Family
While the Viewpoint Wealth Management Group is a seasoned financial services team—we're really a group of nice people who understand the importance of family. We provide next gen education to heighten your adult children's financial savvy and offer sophisticated lending strategies that can make it easier for them to buy a home or start a business. Above all, we ensure that your wealth gets transferred on your terms and in the most tax-efficient way possible.
Trust & Estate Planning
We work collaboratively with your attorney to create the plan that fits your family. And for clients with highly complex estates, we can provide access to our Family Office Resources team.
Next Gen Education
We provide your adult children and grandchildren understand with valuable lessons about money management, investing, entrepreneurship, estate planning and what it means to be the beneficiary of a trust.
Lifestyle Advisory Group ($10M in AUM)
Planning for the future is important—and so is living for today. Select clients will get to experience an elite range of concierge services, including:
- Buying, leasing, or sharing a jet
- College and admissions counseling
- Eldercare services
- Experiences, Travel and Luxury Vacations
- Tickets to Theater, Concerts and Sporting Events
Family Office Resources ($25M in AUM)
Significant wealth raises a whole new level of complex challenges and multigenerational issues. We can provide direct access to Morgan Stanley's Family Office Resources, which includes:
- 60 former CPAS and attorneys
- Experts in Generational Wealth Transfer
- Strategists that help minimize tax obligations
- Experts in philanthropic giving
Our Latest Viewpoint
One Big Beautiful Bill Implications for Your Charitable Giving
The Tax Cut and Jobs Act of 2017 made significant changes to federal individual taxes but set most provisions to expire on December 31, 2025. The One Big Beautiful Bill Act (the "OBBBA"), signed July 2025, makes some provisions permanent while modifying others. Since most changes start in 2026, you have a unique window in 2025 to make charitable gifts under pre-OBBBA rules.
Viewpoint Wealth Management Group's Latest Market Outlook
Teri Twarkins Kelley, CFP®, CIMA®, CRPS® Managing Director& Matt Gimmelli CFA®, Senior Portfolio Management Director for Viewpoint Wealth Management Group will be answering top questions we receive from clients and explain recent market events.
Click the link below to watch the video!
Spotlight on Matt Gimmelli
Matthew A. Gimmelli is a Chartered Financial Analyst®, Executive Director, and Senior Portfolio Management Director with Viewpoint Wealth Management Group. With over 20 years of experience in the financial services industry, Matt concentrates on Portfolio Management, manager oversight and research for Viewpoint Wealth Management Group clients.
Click the link below to watch Matt's video!
Spotlight on Monika Kotowski
Monika Kotowski manages client relationships for Viewpoint Wealth Management Group clients. She has extensive experience in discovery and learning what's most important to our clients. Monika is a client favorite, working with families to understand their needs and make smart decisions that allow them to accomplish their lifelong goals.
Click the link below to watch Monika's video!
Spotlight On Scott Ladrigan
Scott Ladrigan is a Investment Consultant with Viewpoint Wealth Management Group at Morgan Stanley. With over 20 years in the financial services industry, Scott focuses on custom investment solutions as well as investment research and portfolio management.
Click the link below to watch Scott's video!
Our Clients
We serve a select clientele of accomplished business owners, corporate executives, professionals, and their families. Our clients lead busy lives, balancing multiple professional, personal and community commitments. While they all share complex, multigenerational challenges associated with financial success, they also tend to face planning challenges specific to the ways in which they created their wealth:
Viewpoint Wealth Managment Approach
As you reach a certain level of financial success, managing your assets can turn into a full-time job, or even become an overwhelming challenge. The investment choices available to you become more varied and complex, and the strategies to efficiently transfer wealth and fulfill your philanthropic ambitions become increasingly sophisticated.
Senior Executives
Business owners typically have the greater part of their personal wealth linked to the fortunes of their companies. We help these clients manage cash flow, access capital and uncover risks that might jeopardize the future value and continuity of their businesses. When it comes time to monetize their enterprises or pass them to the next generation, we work with their attorneys and accountants to formulate and implement highly customized and fully comprehensive pre--liquidity plans.
Business Owners
Business owners typically have the greater part of their personal wealth linked to the fortunes of their companies. We help these clients manage cash flow, access capital and uncover risks that might jeopardize the future value and continuity of their businesses. When it comes time to monetize their enterprises or pass them to the next generation, we work with their attorneys and accountants to formulate and implement highly customized and fully comprehensive pre--liquidity plans.
Professionals
Professionals nearing retirement often need help customizing plans to support their lifestyles. These individuals may also be concerned with planning their estates to provide for family members and/or charitable organizations without excessive tax liability or conflict among heirs.
Creating a more powerful Corporate Services program
Viewpoint Wealth Management Group understands today's competitive landscape that corporations face when it comes to recruiting and retaining the right talent. We will work with you to structure plans that enable C-Suite executives and senior management to recognize the power of your offerings, including:
- 401k planning
- Stock plan reinvestment
- Corporate cash management
- Corporate borrowing opportunities
- Financial wellness education
- Executive wealth planning services
AWARD-WINNING WEALTH MANAGEMENT. FOCUSED ON YOU.
With the guidance of a Morgan Stanley Financial Advisor and the strength of a five-time award-winning wealth management platform<sup> <a href="#wm-disclosure-1" class="Link--underline"> <span class="sr-only">Footnote</span> 1 </a> </sup>, you can build, preserve, and manage your wealth with precision and purpose. For every stage of your financial journey.
Tax-Smart Solutions
Leading tax optimization capabilities\<sup\> \<a href="#wm\-disclosure\-2" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 2 \</a\> \</sup\> designed to deliver year\-round tax management with an eye toward reducing taxes and boosting after\-tax returns.
Seamless Cash Management Integration
A comprehensive, coordinated strategy with access to competitive yields, flexible financing options, and exclusive cash management resources.
Premier Risk Management and Cyber Defense
Industry\-acclaimed risk management tools\<sup\> \<a href="#wm\-disclosure\-3" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 3 \</a\> \</sup\> to help drive smarter portfolio decisions. In\-house team of cybersecurity experts dedicated to help protect you from cyber threats.
Personalized Legacy Planning
Guidance from experienced professionals across estate, trust, philanthropy, and financial planning to help preserve and grow your legacy.
An Industry-Leading Platform
Expert insights from 500+ equity analysts to help unlock your portfolio's potential and investment guidance.
Liquidity When You Need It
Industry\-leading securities\-based lending solutions to help access liquidity without selling assets or disrupting your investment strategy.\<sup\> \<a href="#wm\-disclosure\-4" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 4 \</a\> \</sup\>
Robust Concentrated Stock Solutions
Powerful tools and strategies to help manage concentrated stock positions and look to optimize portfolio outcomes.
Alternatives & Private Markets Access
A comprehensive alternative investments platform offering tailored solutions, early access to select offerings, and competitive pricing structures. Exclusive private market and pre\-IPO opportunities that were previously reserved for institutions.
Location
14850 North Scottsdale Road
6th Floor
Scottsdale, AZ 85254
US
Direct:
(480) 922-7826(480) 922-7826
Toll-Free:
(800) 347-5107(800) 347-5107
Meet Viewpoint Wealth Management Group
Matthew Gimmelli, CFA®
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(480) 922-7976(480) 922-7976
Rupa Jack, CPWA®, CEPA®, CWS®, CIMA®
Managing Director, Wealth Management, Wealth Advisor, Family Wealth Director, Alternative Investments Director
Phone:
(707) 254-4432(707) 254-4432
Megan Osbrink, CFP®, QPFC, CRD®
Senior Vice President, Financial Advisor, Corporate Retirement Director, Senior Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(480) 502-6072(480) 502-6072
Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Financial Planning Specialist, Workplace Advisor - Equity Compensation
Phone:
(707) 254-4463(707) 254-4463
Dylan Cooper Hoffman, CFP®
Financial Advisor
Phone:
(480) 922-7892(480) 922-7892
Monika Kotowski, CFP®
Associate Vice President, Investment Consultant
Phone:
(480) 922-7901(480) 922-7901
Scott Ladrigan
First Vice President, Investment Consultant
Phone:
(480) 624-5703(480) 624-5703
Megan Engle, QPFC
Wealth Management Associate, Financial Planning Specialist
Phone:
(480) 922-7835(480) 922-7835
Chris Gillespie
Portfolio Associate
Phone:
(480) 922-7834(480) 922-7834
Fernando Sandoval Luna
Registered Client Service Associate
Phone:
(480) 624-5734(480) 624-5734
About Teri Twarkins Kelley
Teri Twarkins Kelley, CFP®, CIMA®, CRPS®
Managing Director
Family Wealth Director
Chartered Advisor in Philanthropy
Teri is a leader in our wealth planning practice where she is responsible for client engagement with our most complicated corporate executives and business owners, and leads strategic direction for the team. Her clients include successful executives and multi-generational families. Teri provides her clients with wealth planning to include employing sophisticated tax and debt strategies to help them define and reach objectives.
Helping clients make educated decisions has been Teri’s passion throughout her career. She believes in forming personal relationships with her clients to help them identify and articulate their unique goals for themselves, their businesses, and their families. As a Chartered Advisor in Philanthropy, Teri enjoys working with families to help them develop their philanthropic goals and instill belief systems within the family.
Prior to joining Smith Barney in 2003, Teri was a product manager for a large national bank and in sales for a dog toy company. She received her M.B.A. from Arizona State University’s W.P. Carey School of Business and her B.A. in Communication Studies from the University of Alabama at Birmingham. Teri was named to Barron’s Top 1200 in 2023, 2025 and 2026, and was recognized as a MAKER for promoting women’s empowerment and demonstrating exceptional leadership.
Teri serves on the national board for Women’s Leadership Alliance, an organization whose mission is to attract more women into the business of financial advice, and to support and empower them as they develop. Teri has been on various community boards and committees to include Arizona Cactus Pine Girl Scout Council, Northern Arizona Healthcare, Lowell Observatory Foundation, Forest Highlands Foundation, McDowell Sonoran Conservancy. Her community engagement passion is for youth, education, youth sports, and the environment.
A runner, cyclist and former triathlete, Teri has qualified for and raced multiple Boston Marathons, competed in five Ironman triathlons to include the elite Kona World Championship. She and her husband have two adult children, two elementary age boys and a Goldendoodle named Leia. They love spending time in Flagstaff, sand in their toes and adventure travel.
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2023) Data compiled by Barron's based on time period from Sept 2021 - Sept 2022.
Managing Director
Family Wealth Director
Chartered Advisor in Philanthropy
Teri is a leader in our wealth planning practice where she is responsible for client engagement with our most complicated corporate executives and business owners, and leads strategic direction for the team. Her clients include successful executives and multi-generational families. Teri provides her clients with wealth planning to include employing sophisticated tax and debt strategies to help them define and reach objectives.
Helping clients make educated decisions has been Teri’s passion throughout her career. She believes in forming personal relationships with her clients to help them identify and articulate their unique goals for themselves, their businesses, and their families. As a Chartered Advisor in Philanthropy, Teri enjoys working with families to help them develop their philanthropic goals and instill belief systems within the family.
Prior to joining Smith Barney in 2003, Teri was a product manager for a large national bank and in sales for a dog toy company. She received her M.B.A. from Arizona State University’s W.P. Carey School of Business and her B.A. in Communication Studies from the University of Alabama at Birmingham. Teri was named to Barron’s Top 1200 in 2023, 2025 and 2026, and was recognized as a MAKER for promoting women’s empowerment and demonstrating exceptional leadership.
Teri serves on the national board for Women’s Leadership Alliance, an organization whose mission is to attract more women into the business of financial advice, and to support and empower them as they develop. Teri has been on various community boards and committees to include Arizona Cactus Pine Girl Scout Council, Northern Arizona Healthcare, Lowell Observatory Foundation, Forest Highlands Foundation, McDowell Sonoran Conservancy. Her community engagement passion is for youth, education, youth sports, and the environment.
A runner, cyclist and former triathlete, Teri has qualified for and raced multiple Boston Marathons, competed in five Ironman triathlons to include the elite Kona World Championship. She and her husband have two adult children, two elementary age boys and a Goldendoodle named Leia. They love spending time in Flagstaff, sand in their toes and adventure travel.
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2023) Data compiled by Barron's based on time period from Sept 2021 - Sept 2022.
Securities Agent: AZ, AR, MT, MO, IN, FL, DE, WY, VA, NJ, IL, HI, WI, PA, NM, MN, AK, TX, TN, SC, OR, DC, NV, NC, MI, CO, OK, CT, WA, OH, NY, KY, KS, ID, CA, AL, UT, MD, MA, IA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1460467
CA Insurance License #: 0E94560
NMLS#: 1460467
CA Insurance License #: 0E94560
About Matthew Gimmelli
Matthew A. Gimmelli, CFA®
Managing Director, Financial Advisor
Senior Portfolio Management Director
Financial Advisor
Matthew Gimmelli is a Chartered Financial Analyst® (CFA), Managing Director and Senior Portfolio Management Director for Viewpoint Wealth Management Group at Morgan Stanley. As one of the senior partners, Matt concentrates on portfolio management, investment oversight and research for Viewpoint Wealth Management Group clients.
As a Chartered Financial Analyst® (CFA), Matt holds an elite certification that incorporates investment theory, advanced research and analytical skills, and portfolio management. Matt draws on this vast depth of knowledge to create, implement, and manage investment portfolios for clients which are led by their specific objectives. He incorporates a fundamental approach to portfolio construction and works closely with the team’s relationship managers to uncover opportunities to enhance individual client investment strategies.
Matt also oversees research and investment due diligence for Viewpoint Wealth Management Group. This entails vetting best-fit strategies for individual and institutional clients around tax-smart investing, alternative investments, and various investment vehicles. He effectively manages internal resources and relationships with external funds managers in order to provide access to key investment opportunities for our clients while controlling overall expense. He is proficient in managing needs for clients within the Executive Financial Services and Institutional segments of Morgan Stanley. This includes leading 10b5-1 transactions for public company insiders, corporate cash management, and investment oversight for corporate retirement and endowment funds.
Matt was named to Barrons Top 1200 Advisors (2023). He received his B.S. in Finance from Arizona State University and has excelled within the field of Wealth Management for nearly 30 years. Personally, Matt enjoys golf, Cowboys football, and spending time with his wife Christa and their two adult children.
NMLS#: 1460466
Disclosures:
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2023) Data compiled by Barron's based on time period from Sept 2021 - Sept 2022.
Managing Director, Financial Advisor
Senior Portfolio Management Director
Financial Advisor
Matthew Gimmelli is a Chartered Financial Analyst® (CFA), Managing Director and Senior Portfolio Management Director for Viewpoint Wealth Management Group at Morgan Stanley. As one of the senior partners, Matt concentrates on portfolio management, investment oversight and research for Viewpoint Wealth Management Group clients.
As a Chartered Financial Analyst® (CFA), Matt holds an elite certification that incorporates investment theory, advanced research and analytical skills, and portfolio management. Matt draws on this vast depth of knowledge to create, implement, and manage investment portfolios for clients which are led by their specific objectives. He incorporates a fundamental approach to portfolio construction and works closely with the team’s relationship managers to uncover opportunities to enhance individual client investment strategies.
Matt also oversees research and investment due diligence for Viewpoint Wealth Management Group. This entails vetting best-fit strategies for individual and institutional clients around tax-smart investing, alternative investments, and various investment vehicles. He effectively manages internal resources and relationships with external funds managers in order to provide access to key investment opportunities for our clients while controlling overall expense. He is proficient in managing needs for clients within the Executive Financial Services and Institutional segments of Morgan Stanley. This includes leading 10b5-1 transactions for public company insiders, corporate cash management, and investment oversight for corporate retirement and endowment funds.
Matt was named to Barrons Top 1200 Advisors (2023). He received his B.S. in Finance from Arizona State University and has excelled within the field of Wealth Management for nearly 30 years. Personally, Matt enjoys golf, Cowboys football, and spending time with his wife Christa and their two adult children.
NMLS#: 1460466
Disclosures:
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2023) Data compiled by Barron's based on time period from Sept 2021 - Sept 2022.
Securities Agent: NY, AZ, PA, OH, MD, KY, DC, VA, TX, NV, AR, AK, WY, WI, UT, SC, MA, KS, FL, IL, NM, CT, CO, WA, OK, MI, IN, ID, DE, CA, OR, MN, IA, AL, NJ, NC, MO, TN, HI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1460466
CA Insurance License #: 0H35699
NMLS#: 1460466
CA Insurance License #: 0H35699
About Rupa Jack
Rupa Jack, CEPA®, CWS®, CIMA®
Managing Director, Family Wealth Director, Wealth Advisor
For over 35 years, Rupa Jack has been guiding successful individuals and families through the complexities of wealth with the specific goal of helping them enjoy life today while building the legacy they want to leave behind. With her strong background in taxation, she is skilled at helping clients design tax-efficient strategies to preserve wealth—so they can focus on the people, activities, and causes that enrich their lives. As one of Morgan Stanley’s select Family Wealth Directors, Rupa provides clients with access to the firm’s exclusive family office resources, from pre-liquidity and business exit planning to estate, charitable, and family governance strategies.
Her clients include corporate executives, entrepreneurs, and multi-generational families who value her ability to make complex decisions feel simpler, more coordinated, and more personal. Known for her understanding and steady presence, Rupa blends technical experience with a genuine care for her clients’ lives, families, and future.
Rupa holds a Master’s Degree in Taxation from Portland State University and a Bachelor of Science from Oregon State University. She is a licensed CPA, although she is not a practicing at Morgan Stanley. She has earned multiple advanced certifications including Certified Exit Planning Advisor (CEPA®) from The Exit Planning Institute, Certified Wealth Strategist (CWS®) from Cannon Financial Institute, and Certified Investment Management Analyst (CIMA®) from the Wharton School, University of Pennsylvania.
Beyond her practice, Rupa is passionate about mentoring the next generation of financial advisors and supporting nonprofits that serve at-risk youth. At home in Napa, she enjoys spending time with her family and her dogs. Whether enjoying the outdoors or gathering with family and friends, Rupa believes that true wealth is not only about financial success, but about creating lasting impact and meaningful experiences with the people who matter most.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters. Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Managing Director, Family Wealth Director, Wealth Advisor
For over 35 years, Rupa Jack has been guiding successful individuals and families through the complexities of wealth with the specific goal of helping them enjoy life today while building the legacy they want to leave behind. With her strong background in taxation, she is skilled at helping clients design tax-efficient strategies to preserve wealth—so they can focus on the people, activities, and causes that enrich their lives. As one of Morgan Stanley’s select Family Wealth Directors, Rupa provides clients with access to the firm’s exclusive family office resources, from pre-liquidity and business exit planning to estate, charitable, and family governance strategies.
Her clients include corporate executives, entrepreneurs, and multi-generational families who value her ability to make complex decisions feel simpler, more coordinated, and more personal. Known for her understanding and steady presence, Rupa blends technical experience with a genuine care for her clients’ lives, families, and future.
Rupa holds a Master’s Degree in Taxation from Portland State University and a Bachelor of Science from Oregon State University. She is a licensed CPA, although she is not a practicing at Morgan Stanley. She has earned multiple advanced certifications including Certified Exit Planning Advisor (CEPA®) from The Exit Planning Institute, Certified Wealth Strategist (CWS®) from Cannon Financial Institute, and Certified Investment Management Analyst (CIMA®) from the Wharton School, University of Pennsylvania.
Beyond her practice, Rupa is passionate about mentoring the next generation of financial advisors and supporting nonprofits that serve at-risk youth. At home in Napa, she enjoys spending time with her family and her dogs. Whether enjoying the outdoors or gathering with family and friends, Rupa believes that true wealth is not only about financial success, but about creating lasting impact and meaningful experiences with the people who matter most.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters. Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Securities Agent: NV, DC, VA, MT, KY, WI, TX, TN, PA, OK, NJ, HI, CA, AL, WY, SC, RI, ME, IL, MO, MN, KS, IA, OH, MI, ID, FL, NC, CT, CO, OR, AR, NY, MA, GA, UT, IN, AZ, AK, WA, NM, MD, LA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268347
CA Insurance License #: 0C78735
NMLS#: 1268347
CA Insurance License #: 0C78735
About Megan Osbrink
Megan Osbrink is a Vice President, Certified Financial Planner (CFP®) and Portfolio Manager with Viewpoint Wealth Management Group at Morgan Stanley. She leverages her diverse background to help identify key opportunities for her clients and to drive a cohesive financial strategy.
Megan received her B.A. in Finance and a minor in Spanish from the University of Arizona in 2006. She went on to complete an intensive credit and risk management program sponsored by Wells Fargo Bank with an emphasis on middle market commercial lending working with clients between $15MM-$500MM in revenue. Subsequently, Megan received her Certificate in Financial Planning from the Pepperdine Graziadio Business School and earned her CFP designation in 2020. Megan has shown proficiency in portfolio construction, investment management, and planning around executive stock based compensation strategies as evidenced by the Portfolio Manager and Workplace Advisor – Equity Compensation designations earned most recently. Megan is also a Qualified Plan Financial Consultant (QPFC) which is the professional credential to demonstrate her proficiency in supporting qualified retirement plan administration, design, compliance, and fiduciary duties.
Megan works to ensure her clients feel heard, educated, and in-touch with their current financial strategy. She is highly proactive, organized and entrepreneurial which helps her to develop out-of-the-box solutions for her clients and their businesses. Her extensive knowledge and experience reinforces her ability to help manage complex pre and post retirement needs with the service mindset that one would expect from their elite providers. Megan’s sole aim is to help her clients maximize their own time, affording them the ability to stay focused on their families and/or professional goals. They find comfort knowing that she is dedicated to their financial well-being and will actively communicate items that require their attention.
Personally, she enjoys leading an active lifestyle and spending time with her two daughters, Keira and Annie, whom she continues to learn from every day. She is passionate about animal welfare and causes that support women and children.
"Enjoy the little things, for one day you may look back and realize they were the big things." Robert Brault
Megan received her B.A. in Finance and a minor in Spanish from the University of Arizona in 2006. She went on to complete an intensive credit and risk management program sponsored by Wells Fargo Bank with an emphasis on middle market commercial lending working with clients between $15MM-$500MM in revenue. Subsequently, Megan received her Certificate in Financial Planning from the Pepperdine Graziadio Business School and earned her CFP designation in 2020. Megan has shown proficiency in portfolio construction, investment management, and planning around executive stock based compensation strategies as evidenced by the Portfolio Manager and Workplace Advisor – Equity Compensation designations earned most recently. Megan is also a Qualified Plan Financial Consultant (QPFC) which is the professional credential to demonstrate her proficiency in supporting qualified retirement plan administration, design, compliance, and fiduciary duties.
Megan works to ensure her clients feel heard, educated, and in-touch with their current financial strategy. She is highly proactive, organized and entrepreneurial which helps her to develop out-of-the-box solutions for her clients and their businesses. Her extensive knowledge and experience reinforces her ability to help manage complex pre and post retirement needs with the service mindset that one would expect from their elite providers. Megan’s sole aim is to help her clients maximize their own time, affording them the ability to stay focused on their families and/or professional goals. They find comfort knowing that she is dedicated to their financial well-being and will actively communicate items that require their attention.
Personally, she enjoys leading an active lifestyle and spending time with her two daughters, Keira and Annie, whom she continues to learn from every day. She is passionate about animal welfare and causes that support women and children.
"Enjoy the little things, for one day you may look back and realize they were the big things." Robert Brault
Securities Agent: CT, VA, OH, DE, MT, OK, DC, NV, MO, MI, WY, TX, TN, OR, AK, UT, PA, MD, NJ, IL, HI, CO, AZ, WA, KY, KS, AR, AL, NM, MN, MA, IN, ID, IA, CA, SC, NC, FL, WI, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1819611
CA Insurance License #: 0M88520
NMLS#: 1819611
CA Insurance License #: 0M88520
About Sean Desmarais
Sean Desmarais, CFP®
Financial Planning Specialist
Financial Advisor
Sean Desmarais has over 13 years of finance services experience including commercial and investment banking prior to participating in Morgan Stanley’s Wealth Advisor Associate program, where he has worked on over 500 customized financial plans. As a financial advisor, he works with members of our well tenured advisory team and qualified specialists, to deliver customized and tailored financial plans for clients and their families. He brings a insightful perspective to financial planning, investment management, and alternative investments. In addition, he is a CERTIFIED FINANCIAL PLANNER™, which provides him formal recognition of experience in the areas of financial planning, taxes, insurance, estate planning, and retirement planning strategies.
Sean graduated from California State University, Sacramento and received a Bachelor of Arts in Economics in 2015. Prior to attending CSUS, he attended Solano Community College where he was an all-conference football player.
Outside of work, he is a volunteer at Collabria Care where he provides respite for patients and their families. An avid outdoorsman, he lives in his hometown of Napa with his wife Kailey, daughters Riley and Adley and their black lab named Blue.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences. The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 4217162 03/26
Financial Planning Specialist
Financial Advisor
Sean Desmarais has over 13 years of finance services experience including commercial and investment banking prior to participating in Morgan Stanley’s Wealth Advisor Associate program, where he has worked on over 500 customized financial plans. As a financial advisor, he works with members of our well tenured advisory team and qualified specialists, to deliver customized and tailored financial plans for clients and their families. He brings a insightful perspective to financial planning, investment management, and alternative investments. In addition, he is a CERTIFIED FINANCIAL PLANNER™, which provides him formal recognition of experience in the areas of financial planning, taxes, insurance, estate planning, and retirement planning strategies.
Sean graduated from California State University, Sacramento and received a Bachelor of Arts in Economics in 2015. Prior to attending CSUS, he attended Solano Community College where he was an all-conference football player.
Outside of work, he is a volunteer at Collabria Care where he provides respite for patients and their families. An avid outdoorsman, he lives in his hometown of Napa with his wife Kailey, daughters Riley and Adley and their black lab named Blue.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences. The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 4217162 03/26
Securities Agent: OR, MN, KS, IA, WY, NM, IL, GA, AL, TX, TN, NV, NC, MO, MA, KY, CA, OH, WI, WA, MI, ME, IN, CT, CO, AZ, AR, VA, PA, NJ, HI, UT, SC, OK, NY, MD, DC, RI, LA, MT, ID, FL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1894342
CA Insurance License #: 4005124
NMLS#: 1894342
CA Insurance License #: 4005124
About Dylan Cooper Hoffman
Dylan Cooper Hoffman
Financial Advisor
Dylan Cooper Hoffman is a Financial Advisor with the Viewpoint Wealth Management Group. She focuses on understanding what matters most to each client and developing thoughtful financial planning and investment strategies tailored to their needs and goals.
Drawing on her experience working with stock plan participants, Dylan helps corporate executives, professionals and their families navigate the complexities of equity compensation, address concentrated stock positions and integrate company awards into a broader wealth management strategy.
As a CERTIFIED FINANCIAL PLANNER™ professional, Dylan takes a comprehensive approach to helping clients make informed financial decisions and align their wealth with the lives they want to build. She values long-term relationships and strives to make complex financial topics clear and approachable.
Born and raised in Arizona, Dylan loves to cook and considers herself a self-made—though still aspiring—chef. Outside the office, she enjoys discovering new restaurants and spending time with her husband, their daughter, Scout, and their two doodles, Stanley and Drexler.
Financial Advisor
Dylan Cooper Hoffman is a Financial Advisor with the Viewpoint Wealth Management Group. She focuses on understanding what matters most to each client and developing thoughtful financial planning and investment strategies tailored to their needs and goals.
Drawing on her experience working with stock plan participants, Dylan helps corporate executives, professionals and their families navigate the complexities of equity compensation, address concentrated stock positions and integrate company awards into a broader wealth management strategy.
As a CERTIFIED FINANCIAL PLANNER™ professional, Dylan takes a comprehensive approach to helping clients make informed financial decisions and align their wealth with the lives they want to build. She values long-term relationships and strives to make complex financial topics clear and approachable.
Born and raised in Arizona, Dylan loves to cook and considers herself a self-made—though still aspiring—chef. Outside the office, she enjoys discovering new restaurants and spending time with her husband, their daughter, Scout, and their two doodles, Stanley and Drexler.
Securities Agent: TN, GA, MT, OR, MN, VI, PA, NJ, ID, DC, WY, WV, FL, CO, AK, UT, MI, CA, ND, MO, IA, DE, AL, OH, NV, NM, NC, LA, KY, IL, CT, AZ, WI, WA, HI, SD, RI, OK, NY, VA, TX, NH, NE, MS, ME, MD, MA, KS, IN, AR, SC, PR; General Securities Representative; Investment Advisor Representative
NMLS#: 2597490
CA Insurance License #: 4474621
NMLS#: 2597490
CA Insurance License #: 4474621
About Monika Kotowski
Monika Kotowski
Associate Vice President
Wealth Management Associate
Monika Kotowski has been with Morgan Stanley since 2012, and with Viewpoint as of 2017. She brings extensive experience in financial planning and helping individuals and families navigate important financial decisions through the different stages of life.
Monika earned the CERTIFIED FINANCIAL PLANNER™ designation in 2022, reflecting her commitment to a comprehensive and thoughtful approach to financial planning. She believes that good financial advice begins with listening. By taking the time to understand each client’s goals, priorities, concerns and family circumstances, Monika helps develop personalized strategies and provides guidance as those needs evolve over time.
A particular focus of Monika’s practice is helping clients prepare for and navigate the transition from their working years into retirement. She works with clients to evaluate retirement income strategies, investment and distribution planning, tax considerations and other factors that can affect their long-term financial plans. Her goal is to make complex financial decisions easier to understand and help clients approach important decisions with greater clarity and confidence.
Originally from Germany, Monika attended FH Darmstadt before transferring to Arizona State University, where she earned a Bachelor of Science in Accounting. After graduating, she spent several years working in corporate accounting before transitioning into Wealth Management. In addition to English, Monika speaks German and Spanish.
Outside of work, Monika enjoys spending time outdoors with her family and their 11-year-old Labrador Retriever. She especially enjoys hiking and snowboarding with her husband, Josiah, and daughter, Camille. When time permits, she can often be found working in her garden.
Associate Vice President
Wealth Management Associate
Monika Kotowski has been with Morgan Stanley since 2012, and with Viewpoint as of 2017. She brings extensive experience in financial planning and helping individuals and families navigate important financial decisions through the different stages of life.
Monika earned the CERTIFIED FINANCIAL PLANNER™ designation in 2022, reflecting her commitment to a comprehensive and thoughtful approach to financial planning. She believes that good financial advice begins with listening. By taking the time to understand each client’s goals, priorities, concerns and family circumstances, Monika helps develop personalized strategies and provides guidance as those needs evolve over time.
A particular focus of Monika’s practice is helping clients prepare for and navigate the transition from their working years into retirement. She works with clients to evaluate retirement income strategies, investment and distribution planning, tax considerations and other factors that can affect their long-term financial plans. Her goal is to make complex financial decisions easier to understand and help clients approach important decisions with greater clarity and confidence.
Originally from Germany, Monika attended FH Darmstadt before transferring to Arizona State University, where she earned a Bachelor of Science in Accounting. After graduating, she spent several years working in corporate accounting before transitioning into Wealth Management. In addition to English, Monika speaks German and Spanish.
Outside of work, Monika enjoys spending time outdoors with her family and their 11-year-old Labrador Retriever. She especially enjoys hiking and snowboarding with her husband, Josiah, and daughter, Camille. When time permits, she can often be found working in her garden.
NMLS#: 2594418
About Scott Ladrigan
Scott Ladrigan
First Vice President
Investment Consultant
Scott Ladrigan is a Investment Consultant with Viewpoint Wealth Management Group at Morgan Stanley. With over 20 years in the financial services industry, Scott focuses on custom investment solutions as well as investment research and portfolio management.
A graduate of Arizona State University, Scott earned his Bachelor’s Degree in 2000 and joined Morgan Stanley in the Operations and Sales Division after graduation. Scott has spent over 20 years with the firm, first as a Relationship Manager and then as a Business Development Manager. As Relationship Manager, Scott monitored and helped manage client relationships to ensure a consistently positive experience for the firm’s clients. As Business Development Manager, he explored potential business relationships by analyzing market strategies and evaluating risk, priorities, and opportunities. Scott completed Morgan Stanley’s rigorous Financial Advisor Associate Program, an intense 36-month training and development program in the fundamentals of wealth accumulation and management for high net worth individuals.
Scott works closely with his clients to determine their needs in the present and their goals for the future. Utilizing Morgan Stanley’s comprehensive LifeView® Financial Goal Analysis tool, he helps to construct sophisticated wealth management strategies based on those targets while incorporating tax mitigation, risk tolerance, and cash flow needs. Deeply committed to ongoing review, Scott evaluates and adjusts each financial plan to help ensure it remains clearly focused on his clients’ objectives.
In his free time, Scott enjoys time spent with his son, classic automobiles, skateboarding, snowboarding, waterskiing, barbequing and exploring OHV trails in southwestern United States from his home base in Scottsdale.
A LifeView Financial Goal Analysis is based on the methodology, estimates, and assumptions, as described in your report, as well as personal data provided by you. It should be considered a working document that can assist you with your objectives. Morgan Stanley makes no guarantees as to future results or that an individual’s investment objectives will be achieved. The responsibility for implementing, monitoring and adjusting your goal analysis or financial plan rests with you. After your Financial Advisor delivers your report to you, if you so desire, your Financial Advisor can help you implement any part that you choose; however, you are not obligated to work with your Financial Advisor or Morgan Stanley.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using LifeView Goal Analysis : When your Financial Advisor prepares and delivers a Financial Goal Analysis (i.e., when using LifeView Goal Analysis), they will be acting in a brokerage capacity. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf
First Vice President
Investment Consultant
Scott Ladrigan is a Investment Consultant with Viewpoint Wealth Management Group at Morgan Stanley. With over 20 years in the financial services industry, Scott focuses on custom investment solutions as well as investment research and portfolio management.
A graduate of Arizona State University, Scott earned his Bachelor’s Degree in 2000 and joined Morgan Stanley in the Operations and Sales Division after graduation. Scott has spent over 20 years with the firm, first as a Relationship Manager and then as a Business Development Manager. As Relationship Manager, Scott monitored and helped manage client relationships to ensure a consistently positive experience for the firm’s clients. As Business Development Manager, he explored potential business relationships by analyzing market strategies and evaluating risk, priorities, and opportunities. Scott completed Morgan Stanley’s rigorous Financial Advisor Associate Program, an intense 36-month training and development program in the fundamentals of wealth accumulation and management for high net worth individuals.
Scott works closely with his clients to determine their needs in the present and their goals for the future. Utilizing Morgan Stanley’s comprehensive LifeView® Financial Goal Analysis tool, he helps to construct sophisticated wealth management strategies based on those targets while incorporating tax mitigation, risk tolerance, and cash flow needs. Deeply committed to ongoing review, Scott evaluates and adjusts each financial plan to help ensure it remains clearly focused on his clients’ objectives.
In his free time, Scott enjoys time spent with his son, classic automobiles, skateboarding, snowboarding, waterskiing, barbequing and exploring OHV trails in southwestern United States from his home base in Scottsdale.
A LifeView Financial Goal Analysis is based on the methodology, estimates, and assumptions, as described in your report, as well as personal data provided by you. It should be considered a working document that can assist you with your objectives. Morgan Stanley makes no guarantees as to future results or that an individual’s investment objectives will be achieved. The responsibility for implementing, monitoring and adjusting your goal analysis or financial plan rests with you. After your Financial Advisor delivers your report to you, if you so desire, your Financial Advisor can help you implement any part that you choose; however, you are not obligated to work with your Financial Advisor or Morgan Stanley.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using LifeView Goal Analysis : When your Financial Advisor prepares and delivers a Financial Goal Analysis (i.e., when using LifeView Goal Analysis), they will be acting in a brokerage capacity. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf
NMLS#: 1426081
CA Insurance License #: 0L08255
CA Insurance License #: 0L08255
About Megan Engle
Megan Engle
Portfolio Associate
Financial Planning Associate
Megan is a Portfolio Associate & Financial Planning Specialist with the Viewpoint Wealth Management Group at Morgan Stanley. With over 20 years of experience in the financial services industry, Megan manages administrative operations and client services. She makes a difference by redefining what is to fulfill customer’s needs better than they thought possible.
Starting out in the financial services industry in 1999, Megan helped oversee all day-to-day client service first at Merrill Lynch, and then at UBS where she spent eight years. As a valued member of the Viewpoint Wealth Management Group at Morgan Stanley, Megan prides herself on the concierge-level customer service she provides for her clients. Always proactive in her client dealings, she manages new client onboarding, 401K rollovers, estate distributions and workflow for the team.
Outside of work, Megan enjoys spending time with her family, roading, and getting her hands dirty with DIY projects. When asked what her favorite part of working with the team is, Megan said “I enjoy being part of the Viewpoint Wealth Management family where the culture of treating people with respect, listening and always have the clients best interest in mind is a perfect match for my ‘do the right thing’ attitude.”
Portfolio Associate
Financial Planning Associate
Megan is a Portfolio Associate & Financial Planning Specialist with the Viewpoint Wealth Management Group at Morgan Stanley. With over 20 years of experience in the financial services industry, Megan manages administrative operations and client services. She makes a difference by redefining what is to fulfill customer’s needs better than they thought possible.
Starting out in the financial services industry in 1999, Megan helped oversee all day-to-day client service first at Merrill Lynch, and then at UBS where she spent eight years. As a valued member of the Viewpoint Wealth Management Group at Morgan Stanley, Megan prides herself on the concierge-level customer service she provides for her clients. Always proactive in her client dealings, she manages new client onboarding, 401K rollovers, estate distributions and workflow for the team.
Outside of work, Megan enjoys spending time with her family, roading, and getting her hands dirty with DIY projects. When asked what her favorite part of working with the team is, Megan said “I enjoy being part of the Viewpoint Wealth Management family where the culture of treating people with respect, listening and always have the clients best interest in mind is a perfect match for my ‘do the right thing’ attitude.”
About Chris Gillespie
Chris Gillespie
Senior Registered Client Service Associate
Chris has been with Morgan Stanley since 2014 as a registered associate. Passionate about making the client experience always a positive one, she is responsible for the day to day administrative and operational needs of financial advisors and clients.
Born and raised in Michigan, Chris now resides in Arizona with her husband of 29 years and their Boston Terrier, “Cooper”. Chris is excited to be near family after being apart from her siblings for more than 15 years.
Outside of the office, her passions include volunteering, golfing, reading and spending time with her husband John and Cooper.
Fun Fact: Over the course of 4 years Chris and John fostered about 15 West Highland White Terriers. They were “foster flunkies” and adopted 3 of them for their own
Senior Registered Client Service Associate
Chris has been with Morgan Stanley since 2014 as a registered associate. Passionate about making the client experience always a positive one, she is responsible for the day to day administrative and operational needs of financial advisors and clients.
Born and raised in Michigan, Chris now resides in Arizona with her husband of 29 years and their Boston Terrier, “Cooper”. Chris is excited to be near family after being apart from her siblings for more than 15 years.
Outside of the office, her passions include volunteering, golfing, reading and spending time with her husband John and Cooper.
Fun Fact: Over the course of 4 years Chris and John fostered about 15 West Highland White Terriers. They were “foster flunkies” and adopted 3 of them for their own
About Fernando Sandoval Luna
Fernando joined Viewpoint Wealth Management Group at Morgan Stanley in January 2024. His role is supporting clients in their day-to-day account needs and providing operational support to the team.
Fernando began his career at Morgan Stanley in 2021. Born and raised in California, Fernando received his Bachelor’s degree from The University of California, with a degree in Economics.
Outside of the office, you can catch Fernando trying out the newest restaurants, spending time with friends, and attending gym classes.
Fernando began his career at Morgan Stanley in 2021. Born and raised in California, Fernando received his Bachelor’s degree from The University of California, with a degree in Economics.
Outside of the office, you can catch Fernando trying out the newest restaurants, spending time with friends, and attending gym classes.
Contact Teri Twarkins Kelley
Contact Matthew Gimmelli
Contact Rupa Jack
Contact Megan Osbrink
Contact Sean Desmarais
Contact Dylan Cooper Hoffman
Contact Monika Kotowski
Contact Scott Ladrigan
Awards and Recognition
Barron's Top 1,200 Financial Advisors: State-by-State
2024-2025 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2024-2025). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Shelly Havlovic
Private Banker
Larry Parente
Family Office Resource Generalist
Preston Kok
Wealth Solutions Associate - Cash Management
About Shelly Havlovic
Shelly Havlovic is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona, New Mexico, and Texas.
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.
Shelly began her career in financial services in 1997 and joined Morgan Stanley in 2025 as a Cash Management Specialist. Prior to joining the firm, she served as a Market Sales Director at Merrill Lynch. During her more than 20 years with Merrill Lynch and Bank of America, she held several other roles, including Resident Manager overseeing securities-based lending and mortgage solutions, as well as Market Manager in Premier Banking. Shelly also served as a Private Banking Manager at a regional commercial bank for 5 years.
Shelly is a graduate of Kent State University, where she received a Bachelor of Business Administration, and The University of Phoenix, where she received her Master of Business Administration. She lives in Scottsdale, Arizona with her 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.
Shelly began her career in financial services in 1997 and joined Morgan Stanley in 2025 as a Cash Management Specialist. Prior to joining the firm, she served as a Market Sales Director at Merrill Lynch. During her more than 20 years with Merrill Lynch and Bank of America, she held several other roles, including Resident Manager overseeing securities-based lending and mortgage solutions, as well as Market Manager in Premier Banking. Shelly also served as a Private Banking Manager at a regional commercial bank for 5 years.
Shelly is a graduate of Kent State University, where she received a Bachelor of Business Administration, and The University of Phoenix, where she received her Master of Business Administration. She lives in Scottsdale, Arizona with her family.
NMLS#: 620172
About Larry Parente
Larry Parente is an Executive Director with the Family Office Resources (FOR) group at Morgan Stanley. As a Generalist with FOR, he helps simplify the universe of family wealth solutions, so that individuals can make confident and informed decisions about their business, their family, and their future.
As a seasoned wealth management and planning executive, Larry has over 25 years of experience counseling and advising high-net and ultra-high-net-worth, individuals and families.
He spent two years with the law firm of, Brobeck, Phleger & Harrison, LLP.
He earned his J.D. from Golden Gate University School of Law and his B.A. from the University at Albany, where he graduated Phi Beta Kappa, Summa Cum Laude.
Throughout law school, Larry was a personal trainer and amateur triathlete. He stills enjoy exercise & strength training, as well as playing golf & tennis. He lives in Rancho Santa Fe, California with his wife Erin, and twin daughters Mary & Maggie. They also enjoy the company of their miniature Schnauzer, Harrison.
As a seasoned wealth management and planning executive, Larry has over 25 years of experience counseling and advising high-net and ultra-high-net-worth, individuals and families.
He spent two years with the law firm of, Brobeck, Phleger & Harrison, LLP.
He earned his J.D. from Golden Gate University School of Law and his B.A. from the University at Albany, where he graduated Phi Beta Kappa, Summa Cum Laude.
Throughout law school, Larry was a personal trainer and amateur triathlete. He stills enjoy exercise & strength training, as well as playing golf & tennis. He lives in Rancho Santa Fe, California with his wife Erin, and twin daughters Mary & Maggie. They also enjoy the company of their miniature Schnauzer, Harrison.
About Preston Kok
Preston Kok is a Wealth Solutions Associate & Cash Engagement Specialist at Morgan Stanley providing dedicated support to Financial Advisors and their teams. Operating as an extension of the FA/Team, Preston collaborates with clients to discover how best to engage and enroll in the services available at Morgan Stanley during their onboarding journey, specifically cash management. Preston provides guidance across a wide suite of cash management offerings and is able to help open cash management accounts, transfer funds, assist with credit cards and provide education on the breadth of what Morgan Stanley has to offer in the cash management space.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
Article Image
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
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
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
Article Image
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 Viewpoint Wealth Management Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’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.
3When 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.
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 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.
5Morgan 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.
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.
7Investing 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.
8Morgan 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
Please read the important disclosures below.
1) Morgan Stanley Wealth Management secured Money Management Institute/Barron’s Industry Awards for Wealth Manager Platform of the Year. The Wealth Manager Platform of the Year category recognizes a wealth manager platform that exemplifies innovation in delivering better outcomes for investors and Financial Advisors. This award has been secured in 2024, 2021, 2020, 2019 & 2018. The winners were selected by a specially appointed MMI Industry Awards Steering Council. The Steering Council consists of representatives from all segments of the MMI membership. After carefully reviewing the nominations submitted, the Steering Council determined a slate of finalists in each award category. The primary contacts at each of MMI’s 207 member firms were eligible to vote to determine the winners. Nominations were reviewed and evaluated to determine finalists June 2024 - July 2024. Finalists were voted on to determine a winner August 2024. MMI/Barron’s does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to MMI/Barron’s in exchange for its receipt of the award. Morgan Stanley is a member of MMI and pays a fee to MMI as part of its membership dues. Morgan Stanley’s receipt of this award is not indicative of any future performance. These awards were granted to Morgan Stanley based on the time period from October 2023 to June 2024. There were 6 firms considered for the Wealth Management Platform of the Year Award and 12 firms considered for the Distribution Excellence Award. The Money Management Institute (MMI) is the industry association representing financial services firms and Barron’s is a financial magazine; both groups are responsible for the award. Accolade qualifications for past years may vary; additional information available upon request.
2) Industry’s top tax-optimization technology refers to tax management capabilities developed by Eaton Vance and Parametric, affiliates of Morgan Stanley. Morgan Stanley is a leading provider of direct indexing strategies. According to Cerulli Associates’ Q1 2026 Managed Account Edition, Morgan Stanley ranked first among 15 firms in Direct Index SMA assets under management based on reported industry assets. The ranking reflects scale of assets and does not evaluate tax outcomes, performance, or quality of technology. Tax outcomes will vary and are not guaranteed.
3) The Celent Model Wealth Manager 2025 Awards for Data and Analytics and Essential and Emerging Technologies were granted to Morgan Stanley following an evaluation process conducted by Celent analysts. To be considered for this award, Morgan Stanley submitted Model Wealth Manager 2025 Nomination Award Worksheets to Celent on or about January 30, 2025. Celent judged each submission on three criteria: (1) Measurable business benefits of live initiatives; (2) degree of innovation relative to the industry; and (3) technology or implementation excellence. In order to win, the initiatives must demonstrate clear business benefits, innovation, and technology or implementation excellence. Celent does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to Celent in exchange for the award. Morgan Stanley is not affiliated with Celent. Based on their submission on January 30, 2025 for Celent’s 2025 Model Awards program, Celent granted Morgan Stanley their awards in June, 2025 and publicly shared the news in June, 2025. Celent is a global financial services research and advisory firm and is responsible for determining the recipient of this award.
4) Q4 2025 Securities Based Lending McLagan Survey – 6 Firm Report. Based on both Non-Purpose Lending and total SBL balances. Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss.
Not all products, tools, platforms, and services referenced are available to all clients. Please speak with your Financial Advisor for eligibility criteria.
Investing in securities involves risk, including possible loss of principal. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Cash management and lending products and services are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Important Risk Information for Securities Based Lending: Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
There is no guarantee that tax-loss harvesting will achieve any particular tax result. Clients may elect Tax Management Services for the account by notifying their Financial Advisor, and indicate what Maximum Tax or Realized Capital Gain Instruction is desired for the account, if any. The Tax Management Services Terms and Conditions attached to the Morgan Stanley Smith Barney LLC Select UMA ADV brochure as Exhibit A will govern Tax Management Services in the account. Review the Morgan Stanley Smith Barney LLC Select UMA ADV brochure carefully with your tax advisor.
Industry acclaimed risk platform refers to Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in the Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models. The analysis provided is illustrative only. Morgan Stanley cannot predict a portfolio’s risk of loss due to, among other things, changing market conditions or other unanticipated circumstances. The analysis is based purely on assumptions made using available data and any of its forecasts are subject to change.
The footnotes below apply to the industry-leading claims referenced above. More information is available upon request.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Investment, Insurance and annuity products offered through Morgan Stanley Smith Barney LLC are NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley 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 visit us at www.morganstanley.com/wealth or consult with your Morgan Stanley Financial Advisor to read about those differences.
The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment service, or to attract any funds or deposits. Investments mentioned may not be appropriate for all clients. Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum and make a determination based on their own particular circumstances that the investment is consistent with their investment objectives and risk tolerance.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’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.
3When 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.
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 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.
5Morgan 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.
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.
7Investing 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.
8Morgan 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
Please read the important disclosures below.
1) Morgan Stanley Wealth Management secured Money Management Institute/Barron’s Industry Awards for Wealth Manager Platform of the Year. The Wealth Manager Platform of the Year category recognizes a wealth manager platform that exemplifies innovation in delivering better outcomes for investors and Financial Advisors. This award has been secured in 2024, 2021, 2020, 2019 & 2018. The winners were selected by a specially appointed MMI Industry Awards Steering Council. The Steering Council consists of representatives from all segments of the MMI membership. After carefully reviewing the nominations submitted, the Steering Council determined a slate of finalists in each award category. The primary contacts at each of MMI’s 207 member firms were eligible to vote to determine the winners. Nominations were reviewed and evaluated to determine finalists June 2024 - July 2024. Finalists were voted on to determine a winner August 2024. MMI/Barron’s does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to MMI/Barron’s in exchange for its receipt of the award. Morgan Stanley is a member of MMI and pays a fee to MMI as part of its membership dues. Morgan Stanley’s receipt of this award is not indicative of any future performance. These awards were granted to Morgan Stanley based on the time period from October 2023 to June 2024. There were 6 firms considered for the Wealth Management Platform of the Year Award and 12 firms considered for the Distribution Excellence Award. The Money Management Institute (MMI) is the industry association representing financial services firms and Barron’s is a financial magazine; both groups are responsible for the award. Accolade qualifications for past years may vary; additional information available upon request.
2) Industry’s top tax-optimization technology refers to tax management capabilities developed by Eaton Vance and Parametric, affiliates of Morgan Stanley. Morgan Stanley is a leading provider of direct indexing strategies. According to Cerulli Associates’ Q1 2026 Managed Account Edition, Morgan Stanley ranked first among 15 firms in Direct Index SMA assets under management based on reported industry assets. The ranking reflects scale of assets and does not evaluate tax outcomes, performance, or quality of technology. Tax outcomes will vary and are not guaranteed.
3) The Celent Model Wealth Manager 2025 Awards for Data and Analytics and Essential and Emerging Technologies were granted to Morgan Stanley following an evaluation process conducted by Celent analysts. To be considered for this award, Morgan Stanley submitted Model Wealth Manager 2025 Nomination Award Worksheets to Celent on or about January 30, 2025. Celent judged each submission on three criteria: (1) Measurable business benefits of live initiatives; (2) degree of innovation relative to the industry; and (3) technology or implementation excellence. In order to win, the initiatives must demonstrate clear business benefits, innovation, and technology or implementation excellence. Celent does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to Celent in exchange for the award. Morgan Stanley is not affiliated with Celent. Based on their submission on January 30, 2025 for Celent’s 2025 Model Awards program, Celent granted Morgan Stanley their awards in June, 2025 and publicly shared the news in June, 2025. Celent is a global financial services research and advisory firm and is responsible for determining the recipient of this award.
4) Q4 2025 Securities Based Lending McLagan Survey – 6 Firm Report. Based on both Non-Purpose Lending and total SBL balances. Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss.
Not all products, tools, platforms, and services referenced are available to all clients. Please speak with your Financial Advisor for eligibility criteria.
Investing in securities involves risk, including possible loss of principal. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Cash management and lending products and services are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Important Risk Information for Securities Based Lending: Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
There is no guarantee that tax-loss harvesting will achieve any particular tax result. Clients may elect Tax Management Services for the account by notifying their Financial Advisor, and indicate what Maximum Tax or Realized Capital Gain Instruction is desired for the account, if any. The Tax Management Services Terms and Conditions attached to the Morgan Stanley Smith Barney LLC Select UMA ADV brochure as Exhibit A will govern Tax Management Services in the account. Review the Morgan Stanley Smith Barney LLC Select UMA ADV brochure carefully with your tax advisor.
Industry acclaimed risk platform refers to Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in the Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models. The analysis provided is illustrative only. Morgan Stanley cannot predict a portfolio’s risk of loss due to, among other things, changing market conditions or other unanticipated circumstances. The analysis is based purely on assumptions made using available data and any of its forecasts are subject to change.
The footnotes below apply to the industry-leading claims referenced above. More information is available upon request.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Investment, Insurance and annuity products offered through Morgan Stanley Smith Barney LLC are NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley 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 visit us at www.morganstanley.com/wealth or consult with your Morgan Stanley Financial Advisor to read about those differences.
The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment service, or to attract any funds or deposits. Investments mentioned may not be appropriate for all clients. Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum and make a determination based on their own particular circumstances that the investment is consistent with their investment objectives and risk tolerance.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 4665150 (8/2025), 4763067 (9/2025), 5378280 (5/2026)
