Santa Cruz, CA La Madrona Drive Office

James Bargetto is a financial advisor at Morgan Stanley with 41 years of industry experience. He has worked at Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, National Association since 2015. He holds the Series 63 designation and is based in Santa Cruz, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools and methodologies.

Andrew Hubbard is a financial advisor at Morgan Stanley with a Series 66 designation and two years of industry experience. Before joining Morgan Stanley, he held various roles outside the financial industry, including positions at FedEx and local service businesses. He is also involved in community activities as a middle school flag football coach. 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 through a structured planning process that incorporates firm-approved tools and market outcome simulations.

Timothy Carboni is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding Series 63 and Series 65 credentials and possessing 34 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and a range of investment programs supported by firm-approved tools and research.

Colleen O'Brien is a financial advisor at Morgan Stanley with 29 years of industry experience. She has held positions at Morgan Stanley since 2021 and previously worked at Charles Schwab and Charles Schwab Bank from 2007 to 2021. O'Brien holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and modeling techniques but generally acts in an advisory capacity without offering individual security recommendations as part of standalone plans.

Kathleen Dwyer is a Series 66-registered financial advisor at Morgan Stanley in Santa Cruz, CA, with nine years of industry experience. She has been with Morgan Stanley and its Private Bank since 2017. Prior to this, she worked at Golden Gate University from 2015 to 2016. 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, including financial planning and estate strategies, managing approximately $2.74 trillion in client assets.

Jacob Willet is a Series 66-licensed financial advisor with Morgan Stanley in Santa Cruz, California, where he has worked since 2019. He has a total of four years of industry experience, including four years at Anderson Christie, Inc. Willet serves as a school board member for Happy Valley Elementary School. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models for client financial plans.

Andreas Lindstrom is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following prior roles at E*TRADE Capital Management and E*Trade Securities. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by structured discovery processes and proprietary investment modeling tools.

Galaham Zuanich is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Outside of his advisory role, Zuanich serves as a lead instructor for investment and retirement courses at Cabrillo College. 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 modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides planning services through its Financial Advisors and Estate Planning Strategies Group.

Samuel Dwyer is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 license and having 10 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and methodologies.

Christine Ingesson is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding Series 63 and Series 65 licenses. She has 21 years of industry experience, including roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. 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 tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Maggie Martin is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation and 23 years of industry experience. She has worked with Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, National Association since 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs a structured planning process using firm-approved tools and delivers services supported by its Global Investment Committee’s return estimates and modeling techniques.

Nayana Darrah is a financial advisor at Morgan Stanley with 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Jerald Reich is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank N.A. since 2016. He is based in Santa Cruz, CA. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a range of advisory programs, including customized financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools and models.

Josiah Clymer is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 credential and two years of industry experience. His background includes roles at Morgan Stanley Private Bank, CrowsNest Restaurant Group, and Starbucks Corporation. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide range of advisory programs and tailored financial planning, utilizing structured discovery processes and advanced modeling tools to support client planning needs.

Olga Pappas is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation and 22 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets, Inc. since 2008. 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 supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate agreements.