Paul Miller is a Certified Financial Planner (CFP®) with 40 years of industry experience. He is currently with Morgan Stanley, having joined the firm in 2025 following a 16-year tenure at UBS Financial Services. Outside of his financial advisory work, he is the owner of a fitness business called Twenty Minutes to Fitness. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services, including tools such as Monte Carlo simulations and Secular Return Estimates in its planning process.

David Mcdowell is a financial advisor with Morgan Stanley in Laguna Beach, CA, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutions. The firm focuses on tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.