Vitia Kozielski is a financial advisor with Morgan Stanley in Chico, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Morgan Stanley and its affiliates since 2008 and previously worked at UBS Financial Services beginning in 1998. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by structured discovery conversations and firm-approved tools.

Nicholas Magers is a CFP® professional with four years of industry experience, currently advising at Morgan Stanley in Chico, California. His prior experience includes roles at Edward Jones, Bank of America, Merrill Lynch, and Morgan Stanley Private Bank. Outside of his advisory work, he manages family agricultural ventures as a principal in several ranch-related business activities in California. Morgan Stanley Wealth Management serves individual and institutional clients, offering tailored financial planning and advisory services supported by a structured planning process and advanced modeling tools.

Kelly Senior is a financial advisor at Morgan Stanley with 30 years of industry experience. He has been with Morgan Stanley and its affiliates since 2008, including roles at Morgan Stanley & Co. Incorporated, Morgan Stanley Smith Barney, and Morgan Stanley Private Bank, National Association. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Holly Walker is a financial advisor at Morgan Stanley with a Series 66 designation and five years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using approved tools and modeling techniques.

Michele Michaels is a Series 66 licensed financial advisor with Morgan Stanley, based in Chico, CA, and has 18 years of industry experience. She has been with Morgan Stanley and its affiliates since 2008. Outside of her financial advisory work, Michele is involved with Love of the Magic, a travel agency based in Winter Garden, Florida. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, providing tailored financial planning and utilizing firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and combines large-firm resources with diverse investment and advisory services.

Gary Duncan is a financial advisor at Morgan Stanley with 27 years of industry experience. He has held his current position since 2009 at Morgan Stanley Smith Barney. Outside of his advisory work, he is a sole proprietor managing a rental property in Chico, California. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery tools and modeling techniques but generally acts in an advisory capacity without providing individual security recommendations as part of its standalone planning.

Lauren La Grande is a financial advisor with Morgan Stanley in Chico, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2023, she worked for eight years at Fairway Mortgage. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients, including customized financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and uses structured discovery conversations and firm-approved planning tools in its financial planning process.