Angelica Morgan is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Her prior roles include positions at Kaiser Permanente and Autism Learning Partners, as well as work as an independent contractor and involvement with the Southside Art Center. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing a structured planning process supported by firm-approved tools and models.

Julia Dunnigan is a Series 66–licensed financial advisor with nine years of industry experience. She currently works at Morgan Stanley in Folsom, CA, having previously spent eight years at BlackRock Investments, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Meliah Bird is a financial advisor with Morgan Stanley in Folsom, CA, holding a Series 66 license and 11 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers services that utilize structured planning tools and modeling techniques.

Julie Overton is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 65 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services, utilizing structured planning tools and modeling techniques to support client goals.

James Dugan Jr. is a financial advisor with Morgan Stanley in Folsom, California, holding Series 63 and 65 licenses and bringing 34 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services that include relationships with investment companies, private funds, and structured-product activities.

Justin Souter is a financial advisor at Morgan Stanley with 22 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, following a decade at UBS Financial Services. He holds the Series 63 and Series 65 designations. 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 uses a structured planning process supported by firm-approved tools and market simulations.

Catherine Johnson is a financial advisor at Morgan Stanley with 32 years of industry experience. She holds a Series 63 designation and has worked at Morgan Stanley Private Bank, National Association, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves individuals and institutional clients by offering a wide 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 using firm-approved tools and modeling techniques.

Erika Davis is a financial advisor with Morgan Stanley in Folsom, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and corporate financial planning agreements.

Ronald Tolle is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. He is based in Folsom, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Secular Return Estimates and Monte Carlo simulations.

Tram Bennette is a financial advisor at Morgan Stanley with over 20 years of experience in the investment industry. Their background includes roles at Chase Investment Services Corp. and WMFS, spanning more than two decades. Bennette holds Series 66, Series 63, and Series 65 licenses. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and a variety of investment programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by advanced modeling tools.

Joe Schmitt is a financial advisor with Morgan Stanley in Folsom, CA, holding Series 63 and Series 65 designations and 37 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association since 2015, and previously at Citigroup Global Markets starting in 1993. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and firm-approved tools, incorporating market simulations and Secular Return Estimates, while generally acting in an advisory capacity without providing individual security recommendations.

Mark Morgan is a financial advisor with Morgan Stanley in Folsom, CA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citi Global Markets since 1993. Outside of his advisory role, he is a sole proprietor involved in lending related to real estate. 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 and estate planning strategies, managing approximately $2.74 trillion in client assets.

Levi Russell is a Series 66-licensed financial advisor with Morgan Stanley in Folsom, CA, and has eight years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2017. Outside of his advisory role, he serves as president of the LeTip Club of Paradise, a business networking organization. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and investment models to support its advisory process.

Andrew Dunnigan is a financial advisor with Morgan Stanley in Folsom, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, 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 uses structured planning tools supported by the Global Investment Committee’s return estimates and modeling techniques.

Mark Payne is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017. Outside of his advisory role, he is an author of a publishing venture titled *Micro-Premie Macro-Love*. 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 customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and secular return estimates as part of its financial planning process.

Liana Hovhannisyan is a Series 66-licensed financial advisor at Morgan Stanley with one year of industry experience. Her background includes roles at Franklin Templeton and positions in education at California State University, Sacramento and American River College. 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 based on structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate-sponsored financial planning services.

Mary Caulder is a financial advisor at Morgan Stanley with 31 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Smith Barney since 2009, following an earlier tenure at Citigroup Global Markets starting in 1995. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools that incorporate scenario modeling without providing individual security recommendations as part of its standalone planning services.

Russell Martinez is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked within various divisions of Morgan Stanley since 1997. Outside of his financial career, Martinez participates in a band called Stones Throw. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients. The firm utilizes structured financial planning tools and offers a wide range of investment programs, managing approximately $2.74 trillion in client assets.

Anthony Nye is a CFP® with 30 years of industry experience, currently serving at Morgan Stanley in Folsom, CA. He previously worked at UBS Financial Services for 17 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients, with approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm-approved tools, including Global Investment Committee return estimates and Monte Carlo simulations, focusing on advisory services without providing individual security recommendations in standalone planning.

Joanne Nuguit is a financial advisor at Morgan Stanley in Folsom, CA, holding a Series 66 designation with 11 years of industry experience. She has been with Morgan Stanley since 2013. Outside of her advisory role, she is co-owner of a computer and networking technical support business, Foothill Technical Solutions, where her husband is the primary owner. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and includes services such as personalized financial plans without individual security recommendations as part of standalone programs.

Alexander Salidas is a financial advisor at Morgan Stanley with six years of industry experience. He has worked at several firms including Thornburg Securities, Franklin Templeton Investments, and Bank of America. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides planning services through its Financial Advisors and Estate Planning Strategies Group.

Kenneth Mc Cready is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2017. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning utilizing firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides financial planning services supported by its Financial Advisors and Estate Planning Strategies Group.

Elliott Dutro is a financial advisor at Morgan Stanley with 16 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2014 and 2015, respectively. Outside of his advisory role, he serves as a board member of the Boys and Girls Club in Chico, California, and is an officer for Dutro Orchards, an agricultural business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Pang Lee Wong is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 63 and Series 66 licenses and previously worked at UBS Financial Services and J.P. Morgan Securities. Morgan Stanley Wealth Management serves 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 employs structured planning tools and modeling techniques as part of its financial planning process.

Jacob Martinez is a financial advisor with Morgan Stanley in Folsom, CA, holding a Series 66 designation and three years of industry experience. His work history includes positions at Morgan Stanley Private Bank and Assurance IQ, as well as prior roles in the insurance sector. Martinez is also an independent insurance agent affiliated with United Health Care. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and market simulations.