Steve Younger - Financial Advisor at Morgan Stanley

08/21/2026

AI may not just change how mortgages are made.

It could change when millions of homeowners decide to refinance.

That's the overlooked disruption Morgan Stanley Research is watching: AI-powered tools that monitor rates, assess eligibility and reduce friction could make refinancing far easier for borrowers.

One striking estimate: If mortgage rates rally to 5.5%, even modest AI adoption could help drive an additional $2.1 trillion in refinancing activity across the U.S. residential mortgage market.

The bigger story isn't just convenience. It's how a more automated refinancing cycle could ripple across consumers, lenders, housing, fixed income and broader markets.

For investors, this is a reminder that AI's impact may show up in places that don't look like "tech" at first glance.

Read the full article to see how Morgan Stanley Research is framing AI-driven refinancing as a multi-year, cross-asset theme.

morganstanley.com

07/15/2026

If you're considering upcoming milestones like buying a home or retiring, a mid-year check in on your financial plan may be beneficial. This checklist can help. https://livesocial.seismic.com/aA9kTp

07/13/2026

Space isn't the "rocket story" anymore.

One number jumped out at me: launch costs have fallen from more than $50,000 per kilogram (Space Shuttle era) to well below $3,000 for some modern commercial systems.

That kind of step-change doesn't just make launches cheaper. It changes what's possible across an entire ecosystem: the materials supply chain, satellite and ground infrastructure, and the real "so what" applications that turn space-based data into decisions on Earth.

The question is: where does the economic value really concentrate as space scales, in Access, Infrastructure, or Applications?

If you're tracking the space economy theme, the full piece breaks down the sectors to watch and why they matter.

Read the full article here:

morganstanley.com

07/10/2026

Discover how the 2026 World Cup could boost media and beverage revenue and lift economic activity: https://livesocial.seismic.com/aVln-m

07/04/2026

This Independence Day, we celebrate the 250th anniversary of our nation and reflect on the shared values that make our country great. Wishing everyone a happy July 4th, filled with family, friends and fun.

06/12/2026

With returns increasingly an earnings story, prospects remain positive for US equities. Find out more in our Midyear Outlook edition of On the Markets.

morganstanley.com

06/10/2026

Volatility makes people obsess over timing.

But the companies that execute clean transactions tend to obsess over something else: preparation.

One data point that stuck with me: 59% of private company decision-makers reported increased pressure to hold a liquidity event.

Pressure is one thing. Being transaction-ready is another.

Transaction readiness is the work of getting your processes, data, and systems ready for equity to be bought, sold, transferred, or acquired with efficient processing, settlement, and reporting.

This article breaks down what "ready" actually looks like in uncertain market conditions, including where teams most often get stuck and what to start tightening up well before the window opens.

Read the full piece here:

morganstanley.com

06/08/2026

Boys and young men don't always "look" like they're struggling.

Sometimes it shows up as irritability, anger, or suddenly checking out of things they used to love. That can make it easy to miss and hard to know what to do next.

One idea from a new Jed Foundation report supported by the Morgan Stanley Alliance for Children's Mental Health stuck with me. The goal isn't to force a big feelings talk. It is to build an environment where emotional expression feels normal, relationships feel safe, and asking for help feels possible.

What does that actually look like in real life, especially in a world of gaming, group chats, and nonstop content?

The article breaks it down into five practical, doable moves without turning it into a lecture.

If you care about youth mental health as a parent, mentor, investor, or just a human, it's worth the read.

Click through to the full article here:

morganstanley.com

06/02/2026

Artificial intelligence and evolving market conditions continue to shape the opportunity set. Alternative investments may help diversify traditional portfolios and generate income, with potential to protect against inflation. Explore the themes: https://livesocial.seismic.com/an1BLi

05/29/2026

May 29 is National 529 Day, a timely reminder to think about education financial planning across generations. A 529 Plan can be a flexible, tax-efficient way to invest for future education needs while supporting broader wealth and legacy goals. Reach out to discuss. https://livesocial.seismic.com/aG86Mk