Eric Cline is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a range of investment services alongside its financial planning capabilities.

Scott Goggin is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2012, currently serving the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis.

William Fraser is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals 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 a structured planning process supported by firm-approved tools and modeling techniques.

Andrey Movsesyan is a Wealth Management Advisor at Merrill Lynch Wealth Management. He brings 20 years of experience in financial services, having started his career at Citibank in 2005 and subsequently working at Wells Fargo Private Bank, Abbot Downing (formerly Wells Fargo Family Wealth), First Republic Bank, Prudential Financial, and BBVA Global Wealth. Throughout his career, he has assisted teams in managing investments for institutional and individual clients with assets ranging from $1 million to $1 billion. Andrey holds a Bachelor's degree in Economics and an MBA from San Francisco State University. He has earned several professional designations, including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Market Technician (CMT), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His expertise includes education planning, family wealth management strategies, liquidity management, retirement income planning, and tax minimization. Residing in Danville, California, Andrey enjoys spending time with his wife, Anastasiia, and their two children, Katerina and Viktor. The family often spends time outdoors, particularly at their cabin in Groveland, near Yosemite National Park. He is actively involved in his community and serves as a board member for the Epilepsy Foundation of Northern California.

Alicia Taylor is a financial advisor at Morgan Stanley with eight years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2017. Prior to joining Morgan Stanley, she worked at J.Jill for one year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to both individual and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery conversations and proprietary planning tools.

Michael Cawthon is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2023, following prior roles at Bank of America, Merrill, Mass Mutual Investors Services, and Insight Wealth Strategies. 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 services that include the use of scenario modeling and a structured discovery process.

Frederick Ferber is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, National Association since 2015. 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, managing approximately $2.74 trillion in client assets.

Michael Spiering is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been associated with Morgan Stanley Smith Barney and Citigroup Global Markets since the mid-2000s. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and a broad range of advisory programs supported by structured planning tools and risk modeling techniques.

Paul Noceti is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, with 14 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2011. Outside of his advisory role, Noceti is involved as an independent contractor in contract engineering services. Morgan Stanley Wealth Management offers a range of advisory programs to individual 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 employs a structured financial planning process supported by firm‑approved tools and modeling techniques.

Daniel Tichenor is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2017, including a role at Morgan Stanley Private Bank, N.A. since 2020. He has prior experience at UBS Financial Services from 2008 to 2017. Outside of his advisory role, he serves as a trustee for a trust in Los Osos, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to both individuals and institutions. The firm offers tailored financial planning and a range of investment solutions, managing approximately $2.74 trillion in client assets.

Nina Chung is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning services to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that integrates advanced modeling tools.

Jean Quinlan Riggi is a financial advisor with Morgan Stanley Wealth Management in Walnut Creek, CA, holding Series 63 and Series 66 licenses and 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients with a variety of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations in its financial planning process.

John Lacour is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, bringing 20 years of industry experience. He has been 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 that provides a variety of advisory programs for both individual and institutional clients, including tailored financial planning services supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning but does not provide individual security recommendations through its standalone financial planning program.

Robyn De Soto is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63, 65, and 66 licenses. She has 20 years of industry experience and has been with Morgan Stanley since 2017. 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 utilizes structured discovery conversations and firm-approved planning tools in its financial planning process.

Alec Benson is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has prior work experience at Moody's Investors Service. Alec is based in Walnut Creek, CA. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning approach utilizes structured discovery conversations and proprietary tools while offering a broad range of retail and institutional investment solutions.

Adrienne Dobbs is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation and bringing 11 years of industry experience. She has worked at Morgan Stanley since 2017 and previously at UBS from 2015 to 2017. Outside of her advisory role, Dobbs serves as a trustee or successor trustee for investment-related trusts in California. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Jared Ines is a financial advisor at Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation with two years of industry experience. He previously worked at Merrill for four years and Bank of America NA for eleven years. 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, including tailored financial planning that utilizes firm-approved tools and modeling techniques.

Sara Farner is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses and having 25 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Prior to that, she was with Citigroup Global Markets starting in 2000. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee to model investment outcomes.

Luke Mc Kernan is a financial advisor at Morgan Stanley in Walnut Creek, CA. He holds a Series 66 designation and has recently started his advisory career in 2025. Prior to joining Morgan Stanley, he worked in various roles including at California Polytechnic State University San Luis Obispo and Ahmed's Moving Express, Inc. 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 utilize firm-approved tools and models to support tailored client plans.

Karen Dunphy is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2015. The firm offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. Morgan Stanley Wealth Management manages approximately $2.74 trillion in client assets and delivers services that include both direct individual plans and Corporate Financial Planning agreements.