Bryan Welbaum is a financial advisor with Morgan Stanley in Irvine, CA, holding a Series 63 designation and 41 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and previously worked at Morgan Stanley Smith Barney LLC starting in 2009. Outside of his advisory work, he owns and manages a rental property business in Dadeville, Alabama. Morgan Stanley Wealth Management serves both individual and institutional clients, providing comprehensive financial planning and advisory services. The firm employs structured planning tools and offers a wide range of investment programs, managing approximately $2.74 trillion in client assets.

Nishit Arora is a financial advisor at Morgan Stanley in Irvine, CA, holding a Series 66 designation with five years of industry experience. His prior work includes roles at Robert Half and Merit Personnel & Consulting, as well as two separate periods with Morgan Stanley. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers a range of retail and institutional investment services.

Kenneth Rieger II is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, following a career at Citigroup Global Markets beginning in 1994. Morgan Stanley Wealth Management serves both individual and institutional clients, providing comprehensive advisory programs and financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers a range of investment and planning services without providing individual security recommendations through its standalone planning programs.

Gregory Touchette is a financial advisor at Morgan Stanley in Irvine, CA, with 11 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Morgan Stanley in 2021, he worked at Equitable Advisors and Axa Advisors. 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 tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and research-driven investment approaches.

Chris Ngoy is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing and Wells Fargo Advisors before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and firm-approved tools to develop financial plans, generally acting in an advisory capacity without providing individual security recommendations.

Stephanie Tchong is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several firms including J.P. Morgan Securities and J.P. Morgan Chase Bank. Prior to her tenure in financial services, she was involved with Lord Sandy's Trading Company for three years. 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 modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Mark Decunha is a Certified Financial Planner (CFP®) with 23 years of experience in the financial services industry. He has worked at Morgan Stanley since 2019, including roles at Morgan Stanley Private Bank, and previously held positions at JPMorgan Chase Bank and J.P. Morgan Securities. He serves as treasurer for his local homeowners association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning using structured discovery conversations and approved planning tools, managing approximately $2.74 trillion in client assets.

Brandon Sovik is a financial advisor at Morgan Stanley in Irvine, CA, holding a Series 66 designation with seven years of industry experience. He previously worked at UBS Financial Services and has held roles including involvement with the Associated Students of CSU Chico and TOKA Branding. 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 tailored financial planning supported by structured tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through both direct individual plans and Corporate Financial Planning agreements.

Ozair Alefi is a financial advisor with Morgan Stanley in Irvine, CA, holding Series 63 and Series 65 designations and 25 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, with prior roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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 customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models as part of its advisory services.

Winnie Luu is a financial advisor at Morgan Stanley in Irvine, CA, holding Series 63 and Series 66 credentials with four years of industry experience. Prior to her current role, she worked at J.P. Morgan Securities and J.P. Morgan Chase Bank. 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 employs firm-approved planning tools and models in its financial planning process.

Daniel Freeman is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and analysis methods such as Monte Carlo simulations to support its advisory services.

Christopher Soto is a financial advisor with Morgan Stanley in Irvine, CA, holding Series 63 and Series 65 licenses and having 19 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory work, he is a partner in RS Investment Properties Group LLC, a real estate-related business. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Peter Shieh is a CFP® with 28 years of experience in the financial services industry. He is currently with Morgan Stanley, having joined in 2023, and previously worked at Citigroup Global Markets for 16 years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning solutions supported by firm-approved tools and research from its Global Investment Committee.

Matthew Tamura is a financial advisor with Morgan Stanley in Irvine, CA, holding a Series 66 designation and five years of industry experience. Prior to joining Morgan Stanley in 2019, he worked at California State University, Fullerton, Dog haus, and Implant & Surgical Solutions, LLC. 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’s approach includes structured planning tools and outcome modeling but does not offer individual security recommendations as part of its standalone planning program.

Curtis Ostling is a financial advisor at Morgan Stanley with 31 years of industry experience. He has worked with Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, National Association since 2015. He holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Steven Kleinertz is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its affiliated entities since 2006. Outside of his advisory role, he manages rental properties as a sole proprietor. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning conversations and analytical tools to support clients’ financial goals.

Paul Babaran is a financial advisor with Morgan Stanley in Irvine, CA, holding a Series 66 designation and 10 years of industry experience. He has worked at various Morgan Stanley entities since 2016 and briefly at Wells Fargo Clearing Services in 2018. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in assets and employing structured planning tools as part of its process.

Marni Menden is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds a Series 66 designation and has worked at Stifel Nicolaus & Co Inc, Wells Fargo Clearing, JPMorgan Chase, and RBC Capital Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides tailored financial planning and investment advisory programs, managing approximately $2.74 trillion in client assets.

Melanie Liu is a financial advisor with Morgan Stanley in Irvine, CA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. Her prior work includes positions at Bank of America and Merrill. She holds a real estate license for personal use, which is currently inactive. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured processes and firm-approved tools.

Kenneth Koziak is a Series 66-licensed financial advisor at Morgan Stanley with 17 years of industry experience. His prior roles include positions at First Republic Securities Company, First Republic Investment Management, and UBS Financial Services. He is based in Irvine, CA. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools without providing individual security recommendations in its standalone financial planning services.