Richard Rosbach is a financial advisor with Morgan Stanley in Bellingham, WA, holding a Series 66 designation and bringing 23 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Kathryn Starkovich is a financial advisor with Morgan Stanley in Bellingham, WA, holding a Series 66 designation and 21 years of industry experience. She has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. She serves as a board member for Habitat for Humanity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs and tailored financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market research.

Madison Maki Maxwell is a financial advisor at Morgan Stanley in Bellingham, WA, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley in 2023, Madison worked in supply chain solutions at United Parcel Service and held positions at T-Mobile, Shutterfly Inc., and Goodwill of Arizona. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs that include tailored financial planning supported by firm‑approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides a wide range of investment and planning services.

Max Shelton is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 23 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 2002. Outside of his advisory role, Shelton is involved in property management and real estate ownership in Blaine, Washington. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning that utilizes structured discovery conversations and firm-approved tools to model outcomes.

Winifred Rosbach is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2020, as well as at Bank of America and Merrill Lynch from 2011 to 2020. She is based in Bellingham, WA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services supported by structured discovery processes and advanced planning tools.

Tod Asmussen is a financial advisor with Morgan Stanley Wealth Management in Bellingham, WA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at UBS Financial Services for 17 years. Outside his advisory role, he assists with marketing for a social networking business owned by his wife. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm emphasizes structured planning processes using firm-approved tools and serves clients through both direct and corporate financial planning agreements.

Chavonne Horton is a financial advisor with Morgan Stanley in Bellingham, WA, holding a Series 66 designation and one year of industry experience. Before joining Morgan Stanley, she worked in various roles across construction and wellness sectors. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients with advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and analysis to support clients’ financial goals.

Barbara Johnson is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Merrill Lynch from 1994 to 2020. Outside of her advisory role, she serves as the board secretary for Whatcom County Cemetery District #7. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions. The firm emphasizes structured financial planning using proprietary tools and serves clients through both direct and employer-sponsored arrangements.

Janet Shepherd is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds Series 65 and Series 63 licenses and has worked with Morgan Stanley since 2009, including her current role at Morgan Stanley Private Bank since 2023. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning through its network of advisors and specialized estate planning groups. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support client financial plans.

Kristina Gruett is a financial advisor at Morgan Stanley with 30 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she serves as an officer and board member of the Bellingham Golf and Country Club. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and delivers services that include both direct individual financial plans and corporate financial planning agreements.

Joseph Silva is a financial advisor with Morgan Stanley in Bellingham, WA, holding a Series 66 credential and six years of industry experience. His career has been focused at Morgan Stanley since 2019, including roles with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Prior to entering the financial industry, he worked at Wesspur Tree Equipment Inc. and spent two years as a full-time student. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including financial and estate planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market modeling in its advisory process.

James Gruett is a financial advisor with Morgan Stanley in Bellingham, WA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and modeling techniques.