Rafael Gutierrez Balderrabano is a financial advisor at Morgan Stanley with 16 years of industry experience. He has been with Morgan Stanley since 2016 and holds Series 63 and Series 65 licenses. 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 uses structured planning tools such as Monte Carlo simulations to support its services.

Eva Murdock is a financial advisor at Morgan Stanley with 27 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by data-driven tools and invests approximately $2.74 trillion in client assets.

Keith Sippy is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 63 designation and 32 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets. Outside of his advisory role, he serves as an offensive line coach for Cathedral Catholic High School's football team. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and a range of investment services supported by firm-approved tools and models.

Lori Iaquinta is a financial advisor at Morgan Stanley with 32 years of industry experience. She has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Her credentials include Series 63 and Series 65 registrations. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and analytical models to support its financial planning services.

Anthony Baker is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Scott Mc Ghee is a financial advisor at Morgan Stanley with six years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2019. Prior to that, he was associated with Young Life from 2015 to 2019. Outside of his advisory role, he occasionally writes online product reviews for Recreation Equipment Incorporated (REI) based on field testing. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, offering tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and specialized planning groups.

Jorge Gonzalez is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. His prior work includes roles at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank, NA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Amethyst Lewis is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 credential and six years of industry experience. Her career includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. She also served with Tohi Care Homes, Inc. from 2016 to 2021. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individuals and institutional clients, leveraging firm-approved tools and strategies such as Monte Carlo simulations and Secular Return Estimates to support tailored planning.

David Bigler is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. His prior experience includes 20 years at UBS Financial Services and a one-year tenure at Arb. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm emphasizes structured planning processes and a broad range of advisory programs.

Vanessa Vieira Arouca is a Series 66-licensed financial advisor with Morgan Stanley in San Diego, CA, and has three years of industry experience. Her prior roles include positions at Ameriprise and Nacional Financiera SNC. 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 and financial planning services. The firm uses structured planning processes and advanced tools to support client goals and manages approximately $2.74 trillion in client assets.

Daniela Moreno is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 credential. She has been with Morgan Stanley since 2020 and previously worked at Wells Fargo Bank from 2015 to 2020. 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 financial and estate planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by proprietary tools and market outlook models.

Robert Berry is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and having 41 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Berry serves on the board and investment committee of the San Diego Downtown Breakfast Rotary Club Foundation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Stephen Schwarz is a financial advisor at Morgan Stanley with 43 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets beginning in 1994. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individual and institutional clients. The firm provides financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Jamileth Saleh is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 designation with one year of industry experience. Her prior work includes roles at Charles Schwab & Co., Inc., Advice Analytics, Inc., and the University of San Diego. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, using structured financial planning tools and modeling techniques to support tailored plans delivered through its network of Financial Advisors and specialized planning groups.

Jacob Soinski is a CFP® and CFA® with seven years of experience in financial advising. He is currently with Morgan Stanley in San Diego, having joined in 2025. His prior roles include positions at USI Advisors, USI Consulting Group, and Valmark Securities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery processes and sophisticated planning tools. The firm manages approximately $2.74 trillion in client assets and provides services that include both direct individual plans and corporate financial planning agreements.

Michael Lacroix is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2012 and with Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, Lacroix serves as Chair of the Military Affairs Committee and is a member of the Finance Committee for Rotary International in San Diego. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including customized 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.

Didier Frachon is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 designations and has worked within various divisions of Morgan Stanley since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Jason Sinkoff is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation. His prior work includes positions at Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, N.A., and roles in academic institutions such as James Madison University and Wagner College. Outside of finance, he has been involved with the JCC Maccabi Sports Camp. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning services supported by firm-approved planning tools and investment research.