David Hawkins is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, National Association since 2015, and Morgan Stanley Smith Barney since 2010. His earlier career includes roles at Credit Suisse Securities (USA) LLC and Pershing LLC. 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 and financial planning services that utilize structured discovery processes and firm-approved planning tools.

Kevin Michael Lavery is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 credentials and 44 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wachovia Securities. He serves as a board member of the Virginia Tech Alumni Association. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and investment committee analyses, managing approximately $2.74 trillion in client assets.

David Bonjo is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including customized financial planning supported by structured discovery conversations and firm-approved tools.

Cody Rankin is a financial advisor with Morgan Stanley in Richmond, VA, holding a Series 66 designation and seven years of industry experience. His career includes roles at J.P. Morgan Chase Bank and J.P. Morgan Securities, as well as previous positions at LPL Financial and Buehler & Berryhill Financial Partners. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured processes.

Patrick Dunbar is a financial advisor at Morgan Stanley with seven years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2017, including time at Morgan Stanley Private Bank, N.A. prior to his current role. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and employer-sponsored financial planning agreements.

Daniel Price is a financial advisor at Morgan Stanley with 26 years of industry experience. He has been with Morgan Stanley Smith Barney since 2014 and holds the Series 66 designation. 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 and financial planning services that incorporate firm-approved tools and modeling techniques to assist clients in planning their financial futures.

Fletcher Metz is a financial advisor at Morgan Stanley with 21 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and holds the Series 63 and Series 66 designations. 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 that uses firm-approved tools and models to assist clients in developing personalized strategies.

Wendy Coggsdale is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and MORGAN STANLEY SMITH BARNEY llc since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services, utilizing structured planning tools and broader investment resources to support client goals.

Morgan Prime is a financial advisor with Morgan Stanley in Richmond, VA, holding a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2017, Morgan worked at Sky Zone Trampoline Park for three years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Edward Ramsey III is a financial advisor at Morgan Stanley with 17 years of industry experience. He has been with Morgan Stanley since 2017 and previously worked at Agecroft Partners, LLC for eight years. 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. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Sheila Denzler is a Series 66-licensed financial advisor with Morgan Stanley in Richmond, VA, where she has worked since 2016. She has 23 years of industry experience. 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, including tailored financial planning supported by structured discovery processes and advanced modeling tools.

William Davison is a financial advisor with Morgan Stanley in Richmond, VA, holding a Series 66 designation and two years of industry experience. His prior experience includes roles at LPL Financial and Wealth Enhancement Group, along with periods of full-time education. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Natalee Hale is a financial advisor with Morgan Stanley in Richmond, VA, holding a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley, she worked for C&F Bank for seven years. Outside of finance, she owns and operates Nhale Fitness & Wellness LLC, where she leads fitness classes. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and investment modeling techniques.

Jack Estep is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes structured planning processes supported by firm-approved tools and models.

Christopher Alfano is a financial advisor at Morgan Stanley in Richmond, VA, with two years of industry experience. He holds a Series 66 designation and previously worked at OakHeart Financial Group. Outside of finance, he has experience working in golf course and recreational facility operations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its financial advisory services.

Robert Fischer is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 licenses and 38 years of industry experience. His prior roles include positions at Citigroup Global Markets and Legg Mason Wood Walker. Outside of advising, he conducts training on the Six Hats thinking methods and has authored a book titled *The Naked Portfolio Manager*; he also coaches chess. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients through tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by proprietary tools and research.

Charles Bugg is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Morgan Stanley in 2025, he worked with Northwestern Mutual and related entities from 2022 to 2025. Outside of his advisory roles, he has served in educational and camp settings, including Collegiate School and Camp Rivers Bend. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients, with around $2.74 trillion in client assets. The firm’s financial planning services use structured discovery and firm-approved tools to develop tailored plans, emphasizing an advisory role in planning without providing individual security recommendations as part of standalone plans.

Christopher Campbell is a CFP® with nine years of industry experience, currently serving as a financial advisor at Morgan Stanley in Richmond, VA. He previously worked at Edward Jones for nine years and at Campbell, Bonner & Associates for two years. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services including estate planning strategies and various investment programs.

Judith Staufer is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011. 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 uses structured planning tools and proprietary modeling techniques in its financial planning process.

Stamford Niou is a financial advisor at Morgan Stanley with 42 years of industry experience. He has held roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Morgan Stanley Dw Inc. since 1998. He holds Series 63 and Series 65 registrations. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.