Briana D'esposito is a financial advisor at Morgan Stanley with eight years of industry experience. She holds the Series 63 and Series 65 designations and has previously worked at UBS Financial Services Inc., Vanguard Marketing Corporation, and Christiana Care Health System. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Darren Marcus is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds the CFA® designation along with Series 63 and Series 65 licenses and has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers financial planning through structured processes without providing individual security recommendations as part of standalone plans.

William Napier Jr. is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. He is based in New York, NY. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by proprietary tools and market modeling techniques.

Charlotte Spatz is a financial advisor with Morgan Stanley in New York, NY, holding a Series 63 designation and having eight years of industry experience. She 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 serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Gregg Cuvin is a CFP® and ChFC® with 28 years of industry experience, currently serving at Morgan Stanley in New York, NY. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. He occasionally provides his perspective to the CFP Board on CFP investigations. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, providing tailored financial planning using firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Andrew Fixell is a financial advisor with Morgan Stanley in New York, NY, holding a Series 66 license and one year of industry experience. His prior roles include positions at New York Life and Mutual of America. Outside of his advisory work, he sells household and memorabilia items through an online retail store on eBay. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s approach involves structured discovery and planning tools but does not provide individual security recommendations as part of its standalone financial planning.

William Kender is a Series 66 licensed financial advisor at Morgan Stanley in New York, NY with one year of industry experience. Prior to joining Morgan Stanley in 2025, he held various roles including multiple positions at Bucknell University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide array of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes firm-approved tools and comprehensive modeling techniques.

Charlotte Tucci is a Series 66-licensed financial advisor with Morgan Stanley in New York, NY, where she has worked since 2019. She has six years of industry experience, including four years prior at Duke University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad 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 and market modeling to support client outcomes.

Christopher Gates is a financial advisor at Morgan Stanley with 34 years of industry experience. His prior roles include positions at First Republic Investment Management and JPMorgan Chase Bank. Outside of finance, he is a professional actor and a member of SAG/AFTRA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Michael Aldorasi is a financial advisor at Morgan Stanley in New York, NY, holding a Series 66 designation with five years of industry experience. He has been with Morgan Stanley since 2020 and previously worked at Pace University from 2016 to 2019. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning approach includes structured discovery conversations and firm-approved tools, incorporating market simulations and global return estimates.

James Cossette is an Investment Consultant who assists clients in working towards their financial goals by providing guidance tailored to each unique situation. He focuses on areas including retirement planning, investment strategies, income planning, and crafting personalized financial plans. He has professional experience at Fidelity Investments, where he worked as a Financial Representative from 2022 to 2025 and as a Customer Relationship Advocate from 2021 to 2022. Outside of his professional work, James has interests in fitness, football, golf, music, outdoor adventures, and traveling.

Maria Ross is a CFP® and holds a Series 66 license with 19 years of industry experience. She has been with Morgan Stanley since 2014, including a role at Morgan Stanley Private Bank, National Association since 2015. Based in New York, NY, she provides financial advisory services through Morgan Stanley Wealth Management. 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 supported by structured processes and advanced modeling tools.

Bradford Baker is a Certified Financial Planner (CFP®) with 20 years of experience in the financial services industry. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, delivering financial planning and investment services supported by firm‑approved tools and processes. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning solutions.

Craig Ruckert is a financial advisor with Morgan Stanley in New York, NY, holding Series 63 and Series 66 licenses and possessing 22 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. 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 using firm-approved tools and analytics, and manages approximately $2.74 trillion in client assets.

Raymond Abbatepaolo is a financial advisor at Morgan Stanley with 33 years of industry experience. He has held roles at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009, as well as experience at Citigroup Global Markets dating back to 1999. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs. The firm’s financial planning process utilizes structured discovery conversations and approved planning tools, and manages approximately $2.74 trillion in client assets.

James Tan is a financial advisor at Morgan Stanley in New York, NY, with 10 years of industry experience. He has been with Morgan Stanley since 2019 and previously worked at Seven Points Capital from 2015 to 2019. Outside of his advisory role, he is a partner and owner of Wonderland Network LLC, a business involved in video content creation and collectible card sales. 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 that uses structured discovery and firm-approved tools to support client goals.

Nancilyn Stafutti is a financial advisor at Morgan Stanley based in New York, NY, with nine years of industry experience. She holds the Series 63 and Series 66 designations. Her prior work includes roles at JPMorgan Chase Bank and JPMorgan Securities, as well as experience with Phillip Jeffries and the West Orange Tennis Club. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a financial planning process that utilizes structured discovery and firm-approved tools.

Victoria D'Addario is a financial advisor at Morgan Stanley with eight years of industry experience. She holds a Series 66 designation and has previously worked at Merrill and Strategic Group Benefits. Outside of financial advising, she owns a cleaning services business in New Jersey. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets through various planning tools and investment strategies.

Rachel Kaplan is a financial advisor with Morgan Stanley in New York, NY, holding Series 63 and Series 65 licenses and 25 years of industry experience. She has been with Morgan Stanley since 2012. Outside of her advisory role, she is a partner and sole proprietor of Diamond Classics, LLC, an automotive and transportation business based in Hoboken, New Jersey. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, utilizing structured financial planning tools and investment strategies developed by its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and provides services including estate planning and corporate financial planning agreements.

Michael Cupo is a Series 66-registered financial advisor with Morgan Stanley in New York, NY, and has two years of industry experience. Before joining Morgan Stanley, he worked in education and athletics, including roles at Eastchester High School and FAST Athletics. He is also a partner in Smarter People Logistics, Inc., a company involved in the automotive and transportation sector. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and investment models.