Michael Spadea is a financial advisor at Morgan Stanley in La Jolla, CA, holding Series 65 and Series 66 licenses with one year of industry experience. His prior experience includes roles at Keller Williams and Epic Financial Strategies. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm-approved tools to model outcomes, serving clients primarily in an advisory capacity.

Daniel Haskard is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009, including time at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process utilizes firm-approved tools and modeling techniques without providing individual security recommendations as part of standalone plans.

Denisse Benaroya is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and having one year of industry experience. Her prior work includes nine years at Wells Fargo and a brief tenure at San Diego Coast Credit Union. 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 a structured planning process using firm-approved tools and models.