Mary Gelfand is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Fidelity Brokerage Services. Outside of financial advising, she is a partner at JLG Home Improvement LLC, a construction and engineering business. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and modeling techniques but generally does not include individual security recommendations as part of standalone plans.

Howard Innerfield is a financial advisor at Morgan Stanley with 45 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 1993. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

William Collins IV is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2012, previously working at Merrill from 2002 to 2005. Outside of his advisory role, Collins participates as an exam item reviewer for the CFP Board. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning services supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and includes broad retail and institutional offerings alongside more specialized investment activities.

Justin Lofaro is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2015. Prior to that, he was associated with Ibv Management, LLC for seven years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm uses structured discovery processes and modeling tools to assist clients, managing approximately $2.74 trillion in client assets.

Jonathan Moskowitz is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning services that utilize models such as Monte Carlo simulations and the Global Investment Committee’s Secular Return Estimates.

David Krauss is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, as well as Morgan Stanley Smith Barney and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies, including scenario modeling through the Global Investment Committee’s estimates and Monte Carlo simulations. The firm manages approximately $2.74 trillion in client assets and provides a broad range of retail and institutional investment products and services.

Hubert Papes is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2013, currently serving in Morgan Stanley Private Bank, N.A. since 2026. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and planning tools but does not provide individual security recommendations as part of its standalone financial planning program.

Sue Tomasello is a financial advisor with Morgan Stanley, holding a Series 63 designation and 17 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and has been with Citigroup Global Markets Inc. since 1992. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs including tailored financial planning and manages approximately $2.74 trillion in client assets.

Perry Hopper is a CFA® charterholder and holds a Series 63 license. He currently works at Morgan Stanley and has seven years of prior experience at Callan LLC and three years at UBS. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services that utilize firm-approved planning tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides tailored financial plans primarily through its Financial Advisors and Estate Planning Strategies Group.

Svetlana Fiumara is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and previously worked at Equitable Advisors, LLC. In addition to her advisory roles, she has been affiliated with Pace University’s Lubin School of Business since 2020. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and offers services that combine advisory capabilities with extensive investment resources.

Drew Bronen is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and previously worked at Columbia Doctors before joining Morgan Stanley. Bronen completed full-time education at the University at Buffalo from 2015 to 2020. 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 a structured planning process supported by firm-approved tools and market modeling.

Kevin Delgado is a financial advisor with Morgan Stanley, holding a Series 66 designation and 25 years of industry experience. He has been with Morgan Stanley and its affiliates since 2007. 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. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market modeling.

Kenneth Malloy is a financial advisor at Morgan Stanley with 41 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Prior to that, he was at Citigroup Global Markets beginning in 1986. Outside of his advisory role, he is involved in several family investment ventures related to real estate and agriculture. Morgan Stanley Wealth Management provides advisory programs for both individual and institutional clients, offering tailored financial planning that incorporates structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and supports a range of investment and financial planning services.

Fernando Valdovinos is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has previously worked at Tradition Financial Services, The Lockwood Group, and The Walt Disney Company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs and financial planning services that utilize structured discovery processes and advanced modeling tools.

Lawrence Bahr is a CFP® with 20 years of industry experience, currently serving at Morgan Stanley since 2009. He has worked with both Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling as part of its financial planning process.

Shawn Ryan is a financial advisor at Morgan Stanley with 27 years of industry experience. He has worked at Morgan Stanley & Co. Incorporated since 2008 and at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 designations. 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 proprietary tools and methodologies, and manages approximately $2.74 trillion in client assets.

Edwin Calzaretta is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and previously worked at United Airlines and Thomas Edison State University. 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 utilizes structured planning tools and modeling techniques as part of its financial planning process.

Nicole McMahon is a financial advisor at Morgan Stanley with 20 years of industry experience. She has held positions at Morgan Stanley since 2014 and previously worked at Wells Fargo Clearing from 2011 to 2014. She holds Series 63 and Series 66 licenses. 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 emphasizes a structured planning process supported by firm-approved tools and investment models.

Eugene Madden is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds Series 65 and Series 66 designations and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, and Merrill. Madden serves as a board member for Savvy Ladies Organization, a nonprofit focused on financial education. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning processes and offers a range of investment and planning solutions through its broad retail and institutional platform.

Kayleigh Lavender is a financial advisor at Morgan Stanley with seven years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and has previously worked at Rede Partners (Americas) LLC, Atlantic-Pacific Capital, Inc., J.P. Morgan Securities, JPMorgan Chase Bank, N.A., Deutsche Bank Securities Inc., and DB Trust Company Americas. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm‑approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides planning services that emphasize a structured discovery process without individual security recommendations in standalone plans.